Equity Release Calculator

Do you know how much you could release from your home?

Our lifetime mortgage is a long-term loan secured on your property. You won't need to make regular repayments - instead we'll charge interest on the loan and previous interest yearly, which quickly increases what you owe. The loan and interest are repaid in full, subject to our terms and conditions, from the sale of your property, when you die or go into long-term care.

A lifetime mortgage will reduce the amount of inheritance you are able to leave and while you don't have to pay tax on what you borrow, it may affect your tax position and access to means-tested benefits.

Answer three easy questions below for an idea of how much equity you could release. This is just a guide - for a personal quote and information that will help you understand our lending criteria, what we can offer and the risks involved, give us a call.

Equity Release Calculator

You must be 55 or over to take out a lifetime mortgage. If you're applying for a joint lifetime mortgage you must both be aged 55 or over. We'll use the age of the youngest borrower to work out the amount you might be able to release.

  • Houses in England, Wales and Northern Ireland can be freehold or leasehold.
  • Flats and maisonettes in England, Wales and Northern Ireland must be leasehold.
  • Properties in Scotland can be Freehold, feuhold or ex-feuhold.
  • Leasehold properties must have an unexpired term of at least 160 years minus the age of the youngest borrower. For example, if the youngest borrower is 65, at least 95 years must be left on the lease.


If you're unsure of your home's current value, you can look at websites for an idea of the value of similar properties in your area. The values shown on these websites provide an indication only and should not be relied upon.

  • www.nationwide.co.uk/about/house-price-index/house-price-calculator
  • www.nethouseprices.com
  • www.zoopla.co.uk/house-prices

Aviva UK Digital Limited introduces to Aviva Equity Release UK Limited for lifetime mortgages. Aviva UK Digital Limited is registered in England No. 09766150. Registered office: St Helen’s, 1 Undershaft, London EC3P 3DQ. Authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 728985.

Aviva Equity Release UK Limited. Registered in England No. 03286484. Registered office: 37 -43 Surrey Street, Norwich, Norfolk NR1 3UY. Authorised and regulated by the Financial Conduct Authority. Firm Reference Number 310433.

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