Explore Your Equity Release Options With Our Calculator

Get an initial estimate to understand what equity release could look like for you

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How Much Equity Can You Release?

Understanding how much you could unlock from your property is the first step.

Equity release providers typically assess:

• Your age (older applicants can usually release a higher percentage)

• The value of your property

• The type and condition of the property

• Any existing mortgage or secured borrowing that must be repaid

Use our equity release calculator to see an initial estimate of how much you may be able to release.

For a precise figure and to understand how equity release could affect your finances and inheritance, we recommend speaking with one of our qualified advisers.

This calculator provides an indication based on typical loan-to-value ranges used by equity release providers. Actual offers depend on the property valuation, your age, product terms, and lender criteria.

What Is Equity Release & How Does It Work?

Equity release lets homeowners aged 55 or over access money tied up in their home – without having to move or make monthly repayments.

The most common type is a lifetime mortgage, where the loan and interest are repaid from the property’s value when it’s sold (usually after you pass away or move into long-term care).

Key Benefits:

• Access tax-free cash, typically as a lump sum

• No contractual payments - but you can make payments if you wish

• Maintain ownership of your home

• Spend the money how you choose including but not limited to - home improvements, helping family, or boosting retirement income

Top Six Reasons for Releasing Equity

Are you eligible?

To be eligible for Equity Release you need to at least meet the following criteria

How does the Process Work?

Frequently asked questions

Who is equity release for?

Equity release is generally designed for homeowners aged 55 or over who want to access some of the value in their property without moving.

Suitability depends on individual circumstances, which is why regulated advice is important.

What protections exist for homeowners?

Most plans include safeguards such as the right to remain in your home for life and a no-negative-equity guarantee, meaning you or your estate will never owe more than the value of your property.

How does equity release work in simple terms?

Equity release allows you to unlock money from your home while continuing to live there.

The most common option is a lifetime mortgage, where funds are released as a lump sum or in stages, under agreed terms.

Will I still own my home?

With most equity release plans, including lifetime mortgages, you retain ownership of your home and continue to live there as your main residence, provided the terms of the plan are met.

Is equity release safe?

Modern equity release products are regulated and designed with consumer protections in place.

When arranged through a regulated adviser and a lender that follows industry standards, equity release can be a secure option.

Do I need professional advice?

Yes. Equity release is a long-term financial decision, and regulated advice ensures any recommendation is suitable, clearly explained, and considers alternatives as well as potential risks.

Authorised and regulated by the Financial Conduct Authority

Ready to Explore Your Equity Release Options?

Book a free, no-obligation consultation and get clear answers about your options.

Or call free and our team will be able to help you

A lifetime mortgage is a loan secured against your home. To understand the features and risks, ask for a personalised illustration. Equity release will reduce the value of your estate and may affect your entitlement to means tested benefits.

Your home may be repossessed if you do not keep up contractual repayments on your mortgage.

Visit the FCA’s consumer website for more information - www.moneyhelper.org.uk

Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits