How much could you release from your home?
An indicative guide to the tax-free cash a lifetime mortgage could unlock, and how the amount owed could grow over time.
How the amount owed could grow
A lifetime mortgage charges no monthly payments, so interest is added to the loan and compounds. This shows the projected balance and the equity that could remain in your estate.
| After | Amount owed | Property value | Equity remaining |
|---|
How this is calculated
- The maximum you can release is a percentage of your property value that increases with age. This estimate uses an age-based loan-to-value typical of UK lifetime mortgages.
- Any outstanding mortgage must usually be repaid from the funds released, so it is deducted from the cash available to you.
- The roll-up table compounds the released amount at the interest rate shown and grows the property value at the assumed growth rate. Equity remaining is the property value less the amount owed, floored at zero.
- Real figures depend on the lender, plan type (lump sum or drawdown), health and lifestyle factors, and your full circumstances.
This calculator provides an indicative illustration only. It is not a recommendation, a quotation, an offer of a mortgage, or regulated financial advice. Equity release will reduce the value of your estate and may affect your tax position and entitlement to means-tested benefits. Equity release is a regulated product and you must receive advice from a qualified equity release adviser before proceeding. To understand the features and risks, ask for a personalised illustration. Think carefully before securing other debts against your home.
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Equity Release Calculator
An indicative guide to the tax-free cash a lifetime mortgage could unlock, and how the amount owed could grow over time.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgages and protection products are subject to eligibility and lender criteria.
Equity release may reduce the value of your estate and affect your entitlement to means-tested benefits.
Buy-to-let mortgages are not usually regulated by the Financial Conduct Authority.
We are authorised and regulated by the Financial Conduct Authority. FCA number: 1013121
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