Equity release calculators
Three quick sums, no sign-up. How much you could release at your age, what a lifetime mortgage would cost over time, and what the monthly-payment options would look like instead.
How much could I release?
Lifetime mortgage maximums depend mostly on the age of the youngest owner. These are typical figures; lenders vary and poor health can add more.
- Typical maximum at this age
- 0%
- Less the mortgage to clear
- £0
- Cash to you, before fees
- £0
What would it cost over time?
With a lifetime mortgage the interest rolls up. This shows the debt after a number of years, and what the home might be worth by then.
Typically 5.5% to 7% at the moment.
Until death or long-term care. Average is around 15 to 20 years from age 68.
- Interest added over the period
- £0
- Home worth by then (estimate)
- £0
- Left for you or your family
- £0
- Share of the home's value owed
- 0%
Roll-up or monthly payments?
The same amount three ways: left to roll up, interest paid monthly (like a retirement interest-only mortgage), or repaid in full over a term (like a remortgage).
- Interest-only: pay each month
- £0
- Interest-only: still owed at the end
- £0
- Repayment: pay each month
- £0
- Repayment: total interest paid
- £0
Rolled-up figure is what would be owed at the end with no payments. Interest-only and repayment figures assume the rate holds for the whole term. Estimates only.
A note on the numbers. Rates, loan-to-value limits, fees and timescales are typical figures at the time of writing (2026) and vary between lenders and with your age, health and property. This is information, not advice. Equity release must be arranged through an FCA-authorised adviser, who will give you a personalised illustration before you commit to anything.
Ready to talk to someone who can actually do it?
We introduce you to a qualified, FCA-authorised equity release adviser who will look at every option, tell you how much you could release and how fast, and never charge you for the first conversation. No obligation.