How Much Could You Release?
Get an indicative estimate of the equity available in your home
Minimum age 55. You must be a homeowner.
This will be repaid from the release
You could release up to
£99,000
Based on a property value of £450,000 at age 67
Net Release After Mortgage
£99,000
Maximum LTV
22%
Loan-to-value ratio at age 67
Est. Debt After 20 Years
£348,841
At 6.5% rolled-up interest
Property Value vs Debt Over Time
How your property equity changes as interest compounds
How Equity Release Works
Apply
Submit your details and get matched with suitable plans
Valuation
Your home is professionally valued
Release
Receive your tax-free lump sum
No Repayments
No monthly repayments required
Key Considerations
- Early repayment charges (ERCs) may apply if you repay the loan within a fixed period, typically the first 8-15 years.
- All plans from Equity Release Council members include a no-negative-equity guarantee, meaning you will never owe more than your home is worth.
- Drawdown plans let you release money in stages rather than a single lump sum, which can reduce interest costs significantly.
- Releasing equity reduces the value of your estate and may affect your entitlement to means-tested benefits such as Pension Credit and Council Tax support.
- Interest rolls up on the loan balance, which means the total amount owed can grow quickly over time.
- You must continue to maintain and insure your property throughout the lifetime of the plan.
Speak to Your Adviser
Equity release is a lifetime mortgage secured against your home. An adviser can compare plans from the whole market, including exclusive rates from providers like Aviva, Canada Life, and more2life, and ensure you have the right protections in place.
Message your adviserThis is an indicative estimate based on typical industry loan-to-value ratios and a fixed interest rate assumption of 6.5%. Actual amounts, rates, and terms will vary by provider and depend on a full assessment of your property and circumstances. Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits. Property values are assumed to grow at 3% per annum for projection purposes. This is not a mortgage offer. Always seek independent financial advice before proceeding.