By providing your property’s estimated value and your age, our free equity release calculator will estimate how much tax-free cash you could access

Equity Release Calculator

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Download your FREE Guide.

It explains:

• What is equity release?

• What could equity release do for you and your family?

• Is equity release the right decision for you?

• Things you should consider

• What are the alternatives to equity release?

• Frequently asked questions

Why use Home Equity Release to help?

Expert Advice

Peace of mind

Security and protection

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We stay up-to-date with the latest market trends and regulations to help ensure that you receive accurate information and tailored solutions.

Our advisors are fully qualified and adhere to regulatory and industry guidance from key industry bodies including the Financial Conduct Authority and Equity Release Council.

Once you have released the equity you require, you will have the funds to help support your cost of living, improve your property, go on that once in a lifetime holiday or support a family member with early inheritance.

We can offer access to the whole market ensuring you get the best product available for you.

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Top Five Reasons for Releasing Equity

Home and/or garden improvements

Pay off existing debts

Go on holiday and see the world

Clear an outstanding mortgage

Treat or help friends and family

Our specialist equity release advisers search a range of products to find the right equity release plan for you.

We will explain:

• The need for advice before releasing tax-free cash from your home. We will advise you to make sure it is the right option for you.

• All the plans we advise on meet the Equity Release Council standards and come with several protections, including the no negative equity guarantee, which means you’ll never owe more than your home’s value.

• Why you should always think carefully before securing a loan against your home.

Frequently Asked Questions

• What is equity release?
  Equity release is a way for homeowners aged 55 or over to access the cash tied up in their property without having to sell it. The money can be taken as a lump sum, in smaller installments, or a combination of both.

• What is a lifetime mortgage?
  A lifetime mortgage is the most common form of equity release. It allows you to borrow a portion of your home's value while retaining ownership. The loan, plus interest, is usually repaid when you die or move into long-term care.

• Who is eligible for equity release?
  Generally, you must be at least 55 years old and own your home outright (or have a small remaining mortgage). The property must meet the lender's requirements for location, condition, and value.

• How much can I borrow with a lifetime mortgage?
  The amount you can borrow depends on your age, the value of your home, and your health. Typically, older homeowners and those with certain health conditions may borrow more.

• Is equity release tax-free?
  Yes, the money you release from your home is tax-free. However, it could impact your eligibility for means-tested benefits.

• What are the interest rates like on lifetime mortgages?
  Lifetime mortgage interest rates are generally higher than standard mortgages. The interest compounds over time and is repaid along with the loan when the property is sold.

• Will I still own my home?
  Yes, with a lifetime mortgage, you retain full ownership of your home. However, a home reversion plan (another type of equity release) involves selling part or all of your home to the provider.

• What happens if property values fall?
  Reputable providers that are members of the Equity Release Council include a "no negative equity guarantee." This ensures you or your estate will never owe more than the property's sale value.

• Can I move house if I have a lifetime mortgage?
  Many lifetime mortgages are portable, meaning you can transfer them to a new home, provided it meets the lender's criteria. Check the terms with your provider.

• What are the alternatives to equity release?
  Alternatives include downsizing to a smaller property, taking out a retirement interest-only mortgage, or using savings and investments. It's important to consider all options and seek independent financial advice.

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