Get an equity release calculation in seconds

  • See how much you can release as tax-free cash from your home
  • Instant online results from the whole equity release market
  • Fast, easy and secure, with no credit checks and no obligation to go ahead
Whether you’re looking for low interest rates, high loan amounts or flexible features, Equity Release Works will find the right plan for you.

Equity Release Calculator

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To recommend the right plan for you our advisers search over 550 plans across the whole equity release market.

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Rates below 3%

Lifetime mortgage interest rates have dropped in recent years with many plans now below 3%.

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Your questions answered…


What is equity release?
Equity release plans are a popular way for homeowners aged 55+ to unlock the tax-free cash tied up in their bricks and mortar. With an equity release plan, you don’t have to sell or move out of your home and the cash is yours to spend how you wish. You don’t have to make any monthly repayments (although this is possible on some plans if you wish to slow the rate at which the interest accrues). Equity release will reduce the value of your estate and may affect your entitlement to some state benefits.

Will I still own my home?

If you choose a lifetime mortgage – the most popular type of equity release plan – then yes, you will still own your home. You also have the guarantee that with all Equity Release Council approved plans, you have the right to remain in your home until you pass away or move into long-term care. It is at this point that your home is sold and the original loan amount plus interest is repaid. Any remaining money is returned to you or your beneficiaries.



How much cash can I unlock?
With an equity release plan, the amount of money you can release from your home typically depends on your age and the value of your property. To find out instantly how much you could release, use the free equity release calculator at the top of this page.Some providers allow you to release even more money if you have a qualifying lifestyle or health condition (many of which are quite common, including being a smoker, diabetes, high blood pressure and high cholesterol).


Will I owe more than my home is worth?

No, all the plans that we recommend are Equity Release Council approved and offer the ‘No Negative Equity’ guarantee. This ensures that regardless of what happens to house prices in the future, you will never owe more than the value of your house.


At Equity Release Works, we’re with you every step of the way and can help you understand all options available to you. Not sure if equity release is for you? Our free initial assessment will help you understand if releasing equity from your property is in your best interests. Call 0800 368 8214 today to find out more.

You won’t pay anything for this initial advice, as our fee of £995 only becomes payable only upon completion.

You’re in safe hands

For your protection and peace of mind we’re fully regulated by the Financial Conduct Authority and all of our plans meet the Equity Release Council standards. With our plans you:

Have the right to remain in your home for as long as you choose
Have the freedom to move to another property without financial penalty (subject to criteria)
Are protected by a no negative equity guarantee so will never owe more than the value of your home