Equity Release Calculator UK
Find out how much tax-free cash you could unlock from your property today. Based on current UK interest rates and LTV standards.
Waiting for details...
Enter your age and property value to see how much cash you could unlock.
UK Market Insights
Equity release allowed UK homeowners to unlock over £3 billion in 2024. Most plans are "Lifetime Mortgages" where you remain the owner.
Understanding Equity Release in the UK (2026 Guide)
How It Works?
Equity release allows UK homeowners aged 55 and over to access the money (wealth) tied up in their home. You can take the money as a lump sum, several smaller amounts, or a combination of both.
The 'No Negative Equity' Guarantee
Modern Equity Release Council approved plans guarantee that you or your estate will never owe more than the value of your home, even if house prices drop.
Typical UK Usage
- 1Home ImprovementsUpdating kitchens or energy renewals.
- 2Boosting Retirement IncomeSupplementing a state pension.
- 3Settling DebtClearing existing mortgages or personal loans.
- 4Early InheritanceHelping children get on the property ladder.
1. Lifetime Mortgage
This is a loan secured against your home. You remain the owner. Interest is added to the loan and "compounds" over time. No monthly repayments are required, though some modern plans allow them to keep interest down.
2. Home Reversion
You sell a part or all of your home to a reversion provider in exchange for a lump sum or regular payments. You continue living in the home as a tenant, but you no longer own the sold portion.
Risks & Considerations
Inheritance Impact
Equity release reduces the value of your estate and the amount you can leave to your children or heirs.
Benefit Eligibility
Having extra cash in your bank could affect your eligibility for means-tested state benefits like Pension Credit.
Compound Interest
Interest is rolled up, meaning you pay interest on your interest. The debt can grow significantly over 15-20 years.
Equity Release FAQ
Professional Advice Warning
The Equity Release Calculator provided is for illustrative purposes only. Actual figures depend on your specific circumstances, provider offers, and health status. Equity release is a long-term commitment. We strongly recommend that you seek advice from an independent financial advisor who is qualified in equity release and registered with the Financial Conduct Authority (FCA).