Enter 0 if you own your home outright
Must be 55 or over
Must be 55 or over
This calculator estimates the maximum amount of equity you could release from your home using an approximate age-based loan-to-value (LTV) table. Lenders set their maximum LTV largely according to your age — broadly, the older you are, the more you can borrow against your home's value, because the loan is expected to run for a shorter time. Your estimated maximum release is simply your property value multiplied by the LTV percentage for your age.
The table below shows approximate maximum LTV percentages at several age points, based on typical ranges across UK equity release lenders. For ages that fall between these points, this calculator interpolates between the two nearest figures.
| Age | Approx. max LTV |
|---|---|
| 55 | 25% |
| 60 | 30% |
| 65 | 37% |
| 70 | 42% |
| 75 | 47% |
| 80 | 51% |
| 85 | 54% |
| 90+ | 56% |
Below age 55, equity release products generally aren't available. From age 90 onwards, the maximum LTV is capped at around 56%.
For joint applications, lenders base the maximum LTV on the age of the younger applicant. This is because the plan must remain in place until the last surviving applicant dies or moves into long-term care, so a younger second applicant reduces the maximum amount available — even if the older applicant is considerably older.
Some lenders offer enhanced terms — a higher maximum LTV — to applicants with certain health conditions or lifestyle factors that may reduce life expectancy. These enhanced plans can increase the maximum release by roughly 5–15%, though the exact uplift depends heavily on the specific condition, provider and product, so it isn't included in the estimate above.
Already taken equity release? See how your debt grows over time with our equity release interest calculator.