Equity release calculator Check if you’re eligible and discover how much equity you could release with our free online calculator. It’s quick and easy to use and you’ll get an instant result. Why use our free calculator? Fast and simple two-step calculator Secure with your privacy guaranteed No checks and no obligation to go ahead Instant online results from the whole lifetime mortgage marketEquity release calculator Get an estimate in less than 60 seconds todayYour home's approx. value*Please choose£70,000£75,000£80,000£85,000£90,000£95,000£100,000£105,000£110,000£115,000£120,000£125,000£130,000£135,000£140,000£145,000£150,000£155,000£160,000£165,000£170,000£175,000£180,000£185,000£190,000£195,000£200,000£205,000£210,000£215,000£220,000£225,000£230,000£235,000£240,000£245,000£250,000£255,000£260,000£265,000£270,000£275,000£280,000£285,000£290,000£295,000£300,000£305,000£310,000£315,000£320,000£325,000£330,000£335,000£340,000£345,000£350,000£355,000£360,000£365,000£370,000£375,000£380,000£385,000£390,000£395,000£400,000£405,000£410,000£415,000£420,000£425,000£430,000£435,000£440,000£445,000£450,000£455,000£460,000£465,000£470,000£475,000£480,000£485,000£490,000£495,000£500,000£505,000£510,000£515,000£520,000£525,000£530,000£535,000£540,000£545,000£550,000£555,000£560,000£565,000£570,000£575,000£580,000£585,000£590,000£595,000£600,000£605,000£610,000£615,000£620,000£625,000£630,000£635,000£640,000£645,000£650,000£655,000£660,000£665,000£670,000£675,000£680,000£685,000£690,000£695,000£700,000£705,000£710,000£715,000£720,000£725,000£730,000£735,000£740,000£745,000£750,000£755,000£760,000£765,000£770,000£775,000£780,000£785,000£790,000£795,000£800,000£805,000£810,000£815,000£820,000£825,000£830,000£835,000£840,000£845,000£850,000£855,000£860,000£865,000£870,000£875,000£880,000£885,000£890,000£895,000£900,000£905,000£910,000£915,000£920,000£925,000£930,000£935,000£940,000£945,000£950,000£955,000£960,000£965,000£970,000£975,000£980,000£985,000£990,000£995,000£1,000,000£1,250,000£1,500,000£1,750,000£2,000,000+What's left on your mortgage?*£0£5,000£10,000£15,000£20,000£25,000£30,000£35,000£40,000£45,000£50,000£55,000£60,000£65,000£70,000£75,000£80,000£85,000£90,000£95,000£100,000£105,000£110,000£115,000£120,000£125,000£130,000£135,000£140,000£145,000£150,000£155,000£160,000£165,000£170,000£175,000£180,000£185,000£190,000£195,000£200,000£205,000£210,000£215,000£220,000£225,000£230,000£235,000£240,000£245,000£250,000£255,000£260,000£265,000£270,000£275,000£280,000£285,000£290,000£295,000£300,000£305,000£310,000£315,000£320,000£325,000£330,000£335,000£340,000£345,000£350,000£355,000£360,000£365,000£370,000£375,000£380,000£385,000£390,000£395,000£400,000£405,000£410,000£415,000£420,000£425,000£430,000£435,000£440,000£445,000£450,000£455,000£460,000£465,000£470,000£475,000£480,000£485,000£490,000£495,000£500,000£505,000£510,000£515,000£520,000£525,000£530,000£535,000£540,000£545,000£550,000£555,000£560,000£565,000£570,000£575,000£580,000£585,000£590,000£595,000£600,000£605,000£610,000£615,000£620,000£625,000£630,000£635,000£640,000£645,000£650,000£655,000£660,000£665,000£670,000£675,000£680,000£685,000£690,000£695,000£700,000£705,000£710,000£715,000£720,000£725,000£730,000£735,000£740,000£745,000£750,000£755,000£760,000£765,000£770,000£775,000£780,000£785,000£790,000£795,000£800,000£805,000£810,000£815,000£820,000£825,000£830,000£835,000£840,000£845,000£850,000£855,000£860,000£865,000£870,000£875,000£880,000£885,000£890,000£895,000£900,000£905,000£910,000£915,000£920,000£925,000£930,000£935,000£940,000£945,000£950,000£955,000£960,000£965,000£970,000£975,000£980,000£985,000£990,000£995,000£1,000,000£1,250,000£1,500,000£1,750,000£2,000,000+Your age (youngest if couple)*Select age555657585960616263646566676869707172737475767778798081828384858687888990+HiddenAmountHiddenOutstanding – PropertyHiddenOutstanding – QuoteOne last stepBased on your answers you could access money from your home. Complete your details to get your personalised quote.Based on your age and property value you could release up to £. To qualify for an equity release plan you need to pay off any existing mortgage with the amount you release. As your outstanding mortgage is higher than the amount you could release you are not eligible.But don’t worry, we may still be able to help you achieve your financial goals. Fill in your details below to speak to an adviser for free, no-obligation advice.Email to send results to* First name*Last namePhone number*HiddenThe approximate property value 100% privacy guaranteed. We only collect your data to deal with your enquiry.HiddenAmount you are looking to borrow?HiddencampaignidHiddensubjectHiddenSourceHiddenMediumHiddenKeywordHiddencalculated result How much cash can I unlock?With an equity release plan, the amount of money you can release from your home depends on:Property value – The minimum property value to be eligible for equity release is £70,000. The higher your property value the more money you should be able to release.Age of youngest applicant – To be eligible for equity release you need to be over 55. If you are applying as a couple you both need to be over 55 and the amount of equity you could release will be calculated based on the youngest applicant.Some providers allow you to release even more money if you have a qualifying lifestyle or health condition. Many of these are quite common, including being a smoker, diabetes or having high blood pressure.Your Equity Release Associates adviser will ask the right questions to get you release the correct amount at the best rate. Speak to an adviser Using our lifetime mortgage equity release calculatorYou can check your eligibility for equity release without entering any personal information using our calculator. On step 1 of 2 simply enter:Value of your home – this should be your best estimate of the open-market value of your property if it were sold today.Age of youngest homeowner – you will both need to be at least 55 to be eligible for equity release. To take out a joint application you need to both live and own the property. With a joint application, if one of you passes away or moves into long-term residential care, the other partner can remain in the property.Outstanding mortgage amount – enter the outstanding balance of any existing mortgage that you currently have on your property. This will need to paid off with the lifetime mortgage, as you cannot have two ‘first-charge’ mortgages on the same property.Then click on ‘Check eligibility’ for an instant answer. This doesn’t necessary mean that you will definitely qualify for an equity release plan but does mean that you have passed the basic criteria.To get a quote of how much equity you could release you need to complete step 2 of 2. Equity release calculator results explainedOnce you’ve entered your personal details and clicked the ‘Get calculation’ button, you will instantly get an online indication. Our online calculator is designed to provide you with an accurate as possible guide. However, as everyone’s circumstances vary, the calculation is based on maximum loan-to-values and not on your personal financial situation.The only way find out if equity release is right for you and get a personalised quote (including rates and a recommended plan) is to speak to a specialist advisers. This won’t cost you a penny and you can speak to a qualified advisor by simply completing the Book Advisor Call form.We provide initial advice for free and without obligation. Only if you choose to proceed and your case completes would a typical fee of £1,695 be payable, which can be added to your loan. Book Advisor Call Frequently asked questions about our equity release calculator Why do you need my personal details?The results are instant, and we’ll only use your details to provide your personalised quote and offer you a free no-obligation fact find call with an Equity Release Associates advisor so that you can find out if it’s right for you. If you don’t want to hear from us then we respect that – there’s never any obligation and we don’t use call centres. How we help you Why can’t I get a rate online?All lenders vary, so as an independent lifetime mortgage broker, Equity Release Associates will always look for the best deal possible, which is most suited to your needs. This may be the lowest rate…or may be a higher rate with features that protect you and your estate now and in the future. Compare plans Can I lose my home? All of the plans that are recommended by your advisor meet the Equity Release Council standards. This means you are protected by a number of safeguards, including the right to remain living in your home for as long as you choose. Your adviser will explain these and how equity release will reduce the value of your estate. Explore lifetime mortgages