How Much Can I Release with Equity Release?
The amount you can release depends primarily on your age and your property value. The older you are, the higher the percentage a lender will typically offer. Enter your details below for an illustrative estimate — then see the compound interest calculator to understand what that loan will cost over time.
Figures are illustrative only and based on typical lender criteria for each age band. Actual amounts vary between lenders and depend on individual circumstances, property type, and health. This is not a formal offer or assessment.
Now see what that loan will cost
Our compound interest calculator shows how a lifetime mortgage balance grows over time — and what equity would remain for your estate.
What affects how much you can release?
Your age
The single biggest factor. Lenders offer higher LTV percentages to older applicants because the loan is statistically likely to run for a shorter period. At 55 you might release 20–25% of your property’s value. At 80 it may be 45–50%.
Your property value
The higher the value, the more can be released in absolute terms. Most lenders have a minimum property value requirement of £70,000–£100,000.
Health and lifestyle
Enhanced lifetime mortgages — offered by most lenders — can increase the available LTV significantly for applicants who smoke or have qualifying health conditions. Conditions that commonly qualify include heart disease, diabetes, stroke history, cancer, COPD, and high BMI.
Your outstanding mortgage
If you have an existing mortgage, it must typically be repaid from the equity release proceeds. The net cash available to you is the gross release minus the mortgage balance.
Property type
Most property types are acceptable. Leasehold flats have additional requirements (lease length). Non-standard construction types are accepted by fewer lenders.
See our full LTV-by-age table
Reviewed by Chris, CII-qualified equity release specialist · Last reviewed July 2026
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