Equity release calculator

Try our calculator to see how much money you could release from your home

Equity release could open doors to the retirement you want. Just enter a few basic details into our calculator to see how much you could borrow. There's zero pressure or obligation afterwards.

Why use our equity release calculator?

Using our calculator is a quick and simple way to get an idea of how much money you could unlock from the value of your home if you’re eligible to take out our equity release. Equity release is a way of turning some of the value of your home into tax-free cash. At Aviva, we offer a type of equity release called a lifetime mortgage. It's a long term loan secured on your home, which you can apply for if you're aged 55 or over. You won't need to make monthly repayments - though you can, if you want to reduce the amount you owe. Interest builds up through the life of the mortgage and is charged on the total amount borrowed and the interest already added. This quickly increases the amount you owe. The loan is normally paid back - along with any interest that's built up - after the sale of your home, when you die or go into long-term care.

Remember that taking out a lifetime mortgage will reduce the amount of inheritance you can leave. It may also affect your tax position and whether you can claim welfare benefits.

You can use our calculator to see how much money you could release with our lifetime mortgage. All you need to do is tell us your age, the type of home you live in and how much it's worth.

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 lifetime 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.
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Equity Release Calculator

Step of

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?

Flat
House
Maisonette

How much is your property worth?

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.

First line of address

Second line of address (optional)

Third line of address (optional)

City

Postcode

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.

First name

Last name

Age of youngest homeowner

Minimum eligible age is 55

Phone number

Email address

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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Am I eligible for equity release with Aviva?

To apply for our lifetime mortgage, you need to:

be aged 55 or over (for joint applications, you both need to be over 55)
own a home in the UK that’s worth £75,000 or more – this does not include the Isle of Man or the Channel Islands
want to borrow at least £15,000.
be mortgage-free, or have a small mortgage left on your home. If you do have any leftover mortgage, you’ll need to pay this off. You can use the money released from your home to do this.

Discover our lifetime mortgage

If you’re considering equity release but not sure whether it’s right for you, head to our equity release page.

Explore equity release ""

Get specialist equity release advice

When you call us we’ll check that you’re eligible and, if you are, make an appointment for you to talk to an adviser who can only discuss our lifetime mortgage with you.

If you apply you don’t need to pay a separate advice fee - we’ll pay commission to your adviser upon completion of the loan. If you need to borrow more in the future, you'll need to get financial advice again and pay an advice fee. Discover more about equity release advice.

* For our joint protection, telephone calls may be recorded and/or monitored.

Call us free

Ring now to speak to our team.

0800 141 3493

Monday to Friday: 9:00am - 5:00pm.

Weekends and Bank Holidays: closed

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Give us your name and number and our team will call you between Monday and Friday, 9.00am to 5.00pm.

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Request a guide

You can read more comprehensive information in our free guide. It will walk you through the product features and other important facts that you need to consider.

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Learn about equity release

Where to find the insight, background material and resources you need to feel better informed about equity release.

Getting started

Using equity release to pay off my mortgage

Equity release can be used by UK homeowners to pay off their mortgages by untying cash from their homes.

Getting started

Equity release or remortgage – how do they compare?

You don’t have to move to make the most of the money tied up in your home
Family

Using equity release to financially support family

Using equity release can be a way to support loved ones financially during your lifetime — whether that’s offering a helping hand when they need it or making things a little more comfortable for the family. It’s important to remember that releasing equity will reduce the value of any future inheritance.
Things to consider

Releasing equity to buy another property

How you can use the equity in your house to buy another property