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Est. Maximum Release
Applicant Age
Lifetime Mortgage
65
Estimated Tax-Free Cash Available
Property value
£300,000
Release loan-to-value
35%
No negative equity guarantee
Included
Enter your age and your property's estimated value below. We'll show you a broad estimate of what you could release through a lifetime mortgage, no sign-up, no obligation. Every lender's criteria differs slightly, so this is your starting point, not a fixed offer.
This calculator provides a broad estimate based on typical age-related loan-to-value bands and does not reflect a formal offer. Actual amounts vary by lender, property type, and health and lifestyle factors. Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits. This is not right for everyone and could affect your tax position.
A later life mortgage works differently to a standard one. Here's what's behind the figure, and what's worth knowing before you go further.
Age & property value
Why your age matters so much
Unlike a standard mortgage, the amount you can release is closely tied to your age. Generally, the older you are, the higher the percentage of your property’s value you can access. Property value plays an equally important role.
Interest roll-up
How the interest works
With most lifetime mortgages, you don’t make monthly repayments. Interest rolls up and is added to the loan, repaid when the property is eventually sold. Some plans allow optional repayments to manage this, which is worth discussing with an advisor.
No negative equity guarantee
A built-in safeguard
Equity Release Council approved plans include a guarantee that you’ll never owe more than your home is worth, even if property values fall. This protects you and your estate from a shortfall.
A starting point
Remember, this is an estimate
Actual amounts depend on the specific lender, your health and lifestyle, and the type of property you own. This figure gives you a sensible starting point. An advisor can tell you what you’d actually be offered.
See what our happy customers have to say about their experience with us — real stories from people we’ve helped every step of the way.
The questions our clients ask us most about later life mortgages, answered plainly.
What is a later life mortgage?
It’s a mortgage designed for homeowners aged 55 and over that lets you release some of the value tied up in your home, usually as a tax-free lump sum, without having to move. The most common type is a lifetime mortgage.
