equity release calculator

See how much money you could release from your home

  • Use our three-step calculator for an idea of the amount you could borrow
  • Just tap or type in a few basic details about you and your home
  • There’s zero pressure or obligation afterwards

Equity release is a way of turning some of the value of your home into tax-free cash. We offer a type of equity release called a lifetime mortgage. It's a long-term loan secured on your home and you can apply once you reach 55. You’ll stay in your home and remain the owner.

You might choose to take out a lifetime mortgage for any number of reasons. Such as improvements to your home, to give a helping hand to your loved ones, a once-in-a-lifetime adventure, or to stretch your retirement income a little further.

The loan and interest are repaid in full, usually from the sale of your home when you (and your partner, for a joint lifetime mortgage) pass away or go into long-term care, subject to our terms and conditions. Just remember that taking out a lifetime mortgage will reduce the amount of inheritance you can leave behind. It may also affect your tax position and whether you can claim some means-tested benefits.

Getting a sense of how much you could borrow is as easy as choosing your age, the type of home you live in and your home’s worth – our calculator will do the rest.

Equity Release Calculator

Your results

Based on your current property value of £{0} you could release tax free:

How we calculated this – and what it means

We’ve used your age, property value and address to estimate how much you could borrow if you take out a liftetime mortgage with us. To check if you’re eligible and to get an accurate loan amount, you’ll need to speak to an equity release adviser. They’ll take more details from you which means you could borrow more or less than the amount provided here.

Equity Release Calculator

Step 1 of 3

Tell us about your property

You need to own a home worth over £75,000. It needs to be in the UK, but not on the Isle of Man or the Channel Islands.

What kind of property do you own?
Tell us about where you live

The property must be your main residence and shouldn't be unoccupied for more than six months at a time.

Tell us a bit about yourself

You need to be aged 55 or older (for joint applications, all applicants must be over 55), and live permanently in your home.


Minimum eligible age is 55

After choosing calculate, you’ll see an estimate of the loan that could be available to you based on the details you’ve given. By providing your phone number you are aware that we may also call you to talk about your estimate and answer any questions you might have about equity release. If you would prefer to call us rather than use our online calculator to get this information you can do so on 0800 258 3578.

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Check if you’re eligible for equity release with us (our lifetime mortgage)

To apply for our lifetime mortgage you need to:

  1. Be aged 55 or over (for joint applications, you both need to be over 55).
  2. Own a UK home (not including the Isle of Man and the Channel Islands), that’s worth £75,000 or more.
  3. Speak to your family about your plans and decide whether it's right for you.
  4. Want to borrow at least £15,000.
  5. Be mortgage-free, or have only a small mortgage left on your home. You’ll need to pay off any leftover mortgage and you can do this from the money released from your home.

Once we’ve taken a look at your application, we’ll send you an offer which confirms how much you can borrow. You’ll go through all this with your equity release adviser and solicitor. Then all that’s left for you to do is sign any legal bits.

Why choose us for equity release?

We’re a member of the Equity Release Council, which promotes high standards and best practices for all customers who take out equity release.

Why choose Aviva?

  • A highly rated choice
    We continue to receive recognition, both in our role as a lender and for the lifetime mortgage we offer.
  • Our heritage of helping
    We’ve been protecting people like you for over 325 years.
  • Tap into 25 years’ equity release expertise
    We’ve helped over 270,000 people release more than £10 billion since 1998.
  • Our no negative equity guarantee
    You or your estate will never have to pay back more than the best price your home can reasonably be sold for.
  • Still leave an inheritance
    You could lock away a percentage of your home's value to leave behind to your loved ones, although this will reduce the amount you’re able to borrow.

Request a free guide

Read more about our lifetime mortgage whenever you have a quiet moment. We’ve put together a free guide packed with information and answers to the questions people most often ask. You can download an online version right away and we’ll also post a copy to your home.

Request a free guide