Seven calculators covering every aspect of equity release — from how much you could release to the long-term impact on your estate. All figures are illustrative. Your adviser will provide personalised numbers.
Enter your age and property value to see the estimated maximum you could unlock from your home. This is based on standard lender loan-to-value tables — your actual maximum may be higher if you have qualifying health conditions.
The two main factors are your age and your property value. The older you are, the higher the loan-to-value (LTV) a lender will allow — because the loan has less time to grow. At 55 you might release 25%, at 75 around 45%, and at 85 up to 55%. Your health can also increase the amount available — see the Enhanced / Health tab.
Loan-to-Value (LTV) is the percentage of your property's value that a lender will lend against. At 68 years old with a £350,000 property and a 38% LTV, the maximum loan would be £133,000. The chart shows how LTV rises with age — your current age is highlighted.
If you have an existing mortgage, it must be repaid from the equity release proceeds on completion. The "net release" figure already accounts for this. If your mortgage is larger than the maximum release available, equity release may not be possible without additional funds.
These figures are illustrative only. For a personalised assessment based on your exact circumstances, speak to a qualified Equisure adviser — free, no obligation.
Request a free callback →With a lifetime mortgage, interest compounds each month on the outstanding balance. This calculator shows how your loan could grow over time — and how making optional voluntary repayments can reduce that growth significantly.
The coral bars show your loan balance growing over time. The sage bars show your property value at 1% annual growth — the same assumption used in every regulated Key Facts Illustration (KFI). As long as the sage bar stays taller than the coral bar, there is equity remaining in your estate.
Try entering £200 or £300 per month in the voluntary repayment field. Even a modest monthly payment can dramatically reduce how much the loan grows — preserving significantly more equity for your family. Many customers who can afford it choose to pay at least the monthly interest.
All products we recommend carry this guarantee. However long you live and however much the loan grows, your estate will never owe more than the property sells for at the time. Any shortfall is absorbed by the lender — your family will never inherit a debt.
These figures are illustrative only. For a personalised assessment based on your exact circumstances, speak to a qualified Equisure adviser — free, no obligation.
Request a free callback →Some lifetime mortgages allow you to pay the monthly interest rather than letting it roll up. This keeps your loan balance exactly the same as when you started — protecting your estate. This calculator shows what those payments would look like.
Paying monthly interest suits people who have a regular income — from a pension, rental income, or investments — and who want to preserve as much equity as possible. It requires an affordability assessment, similar to a standard mortgage. Your adviser will confirm whether you qualify.
You do not have to pay the full monthly interest. Even paying half significantly slows the roll-up. Many lenders allow any amount of voluntary repayment up to a set annual limit (typically 10% of the original loan) without early repayment charges.
Use the Interest Roll-Up tab to see how much the loan grows without any payments — then come back here to see how much a monthly payment would reduce that growth. The difference can be substantial over 15–20 years.
These figures are illustrative only. For a personalised assessment based on your exact circumstances, speak to a qualified Equisure adviser — free, no obligation.
Request a free callback →Equity release will reduce the value of your estate. This calculator helps you and your family understand what that might look like over time — so there are no surprises. Enter your property details to see projected estate values at different points in the future.
We strongly recommend sharing this calculator with your family before proceeding. Use the property growth slider — at 2% or 3% annual growth, which is closer to the UK historic average, the picture for your estate is often more positive than at the standard 1% KFI rate.
Some lenders offer an optional inheritance protection guarantee — ringfencing a percentage of your property's future sale value for your estate, regardless of how the loan grows. This comes at a cost (slightly higher rate or lower LTV) but may be worth considering if protecting an inheritance is a priority.
Try moving the property growth slider from 1% to 2% or 3%. Even a 1% difference in annual growth can mean tens of thousands of pounds more in your estate after 15 years. The UK Land Registry average over the past 25 years has been approximately 3.5% per annum.
These figures are illustrative only. For a personalised assessment based on your exact circumstances, speak to a qualified Equisure adviser — free, no obligation.
Request a free callback →A Retirement Interest-Only (RIO) mortgage is an alternative to equity release. You pay the monthly interest — it is assessed on affordability like a standard mortgage. This calculator helps you understand whether a RIO might be viable for your situation.
With a RIO, you pay the monthly interest so the loan never grows. This keeps your estate intact. With a lifetime mortgage (roll-up), no payments are required — but the loan grows over time. A RIO requires you to pass an affordability assessment; a lifetime mortgage does not.
Most lenders look for the interest payments to represent no more than 25–35% of your net monthly income. Above 40% is likely to fail most lender assessments. If the ratio looks tight, your adviser may suggest a smaller loan, a drawdown lifetime mortgage, or a combination approach.
A RIO mortgage is repaid when you die or move permanently into long-term care, from the sale of the property — exactly like a lifetime mortgage. The key difference is that the loan balance stays the same throughout, so your estate is not eroded by roll-up interest.
These figures are illustrative only. For a personalised assessment based on your exact circumstances, speak to a qualified Equisure adviser — free, no obligation.
Request a free callback →Instead of taking everything at once, a drawdown plan gives you a cash reserve to dip into as you need it. You only pay interest on money you have actually drawn — not on the full reserve. This calculator compares the cost of drawdown against taking the full amount as a lump sum.
The chart compares your drawdown loan (sage — initial draw only) against what the full facility would cost if taken as a lump sum (coral). The gap between them is the interest you save by leaving money in reserve until you actually need it.
The interest rate on future drawdowns is set at the market rate on the day you make each withdrawal — not locked at today's rate. If rates rise, your later draws will be more expensive. Your adviser will help you think through how to structure your drawdowns sensibly.
Drawdown works well if you want to supplement your income over time rather than fund one large purchase, if you are not sure exactly how much you will need, or if you want to minimise interest roll-up. It is one of the most popular plan types we arrange.
These figures are illustrative only. For a personalised assessment based on your exact circumstances, speak to a qualified Equisure adviser — free, no obligation.
Request a free callback →If you have certain health conditions or lifestyle factors, you may qualify for an enhanced lifetime mortgage — offering a higher loan-to-value, a lower interest rate, or both. This is more common than people expect. Even mild conditions can make a difference.
Heart disease • Stroke or TIA • Type 1 or Type 2 diabetes • High blood pressure • High cholesterol • COPD or asthma • Parkinson’s disease • Multiple sclerosis • Cancer (current or history) • History of smoking • High BMI. Even if your condition is well-controlled, it may still qualify.
Many people assume enhanced plans are only for serious illness. In practice, something as common as controlled high blood pressure or being an ex-smoker can unlock a better deal. Always declare health information fully — your adviser is not a doctor and will not judge.
Enhanced assessment is done by questionnaire only — completed with your adviser on the recommendation call. There is no GP referral, no nurse visit, and no examination. The lender’s underwriters review the questionnaire and confirm eligibility.
These figures are illustrative only. For a personalised assessment based on your exact circumstances, speak to a qualified Equisure adviser — free, no obligation.
Request a free callback →Equisure is a trading style of Release My Equity Limited, authorised and regulated by the Financial Conduct Authority (FRN 730866). Registered in England and Wales. Company No. 08525726. Registered address: 231 Elliott Street, Tyldesley, Manchester, M29 8DG.
Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits. A lifetime mortgage is a loan secured against your home. To understand the features and risks, ask for a personalised illustration.