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.

What's the next step?

  • Speak to an adviser

    Based on this information speak to an adviser for free to discuss the process further on:

    0800 141 3493

    • Monday to Friday: 9:00am - 5.00pm
    • Weekends and Bank Holidays: Closed

  • Request a callback

    To find out more about equity release, request a callback. Just fill in your details and we'll aim to give you a call at your chosen time.

    Get us to call you

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.

Title

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 141 3493.

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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.

Equity release awards

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 284,000 people release more than £11 billion.
  • 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.

Get specialist equity release advice

Take your first step by arranging a call with a UK-based equity release adviser. You don’t have to commit to anything, it’s just to see if it’s an option for you. And you won’t pay a separate advice fee. Instead, we'll make a commission payment to the adviser on completion of your loan. Here are two ways to get in touch.

  • Call us free

    Ring now and make an appointment with an equity release adviser.

    0800 141 3493

    • Monday to Friday: 9:00am - 5:00pm
    • Weekends and Bank Holidays: Closed

  • Ask us to call you

    Give us your name and number, and an adviser will call you. You can pick a chosen day and whether morning or afternoon is best.

    Request a call back

Your call will be answered by the Aviva Equity Release Advice team, who can provide information and advice on Aviva's lifetime mortgages only. They're authorised and regulated by the Financial Conduct Authority.

Calls to 0800 or 0808 numbers from UK landlines and mobiles are free. For our joint protection, calls may be recorded or monitored, and saved for a minimum of 5 years. Our opening hours may be different depending on which team you need to speak to.

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