Our calculator does one calculation: your age, looked up in a dated schedule, multiplied by the property value you enter. This sets out where that schedule came from, what it ignores, and why no lender publishes an equivalent.
One schedule, one date, one source we cannot link to, and the arithmetic in between. All of it set out so you can judge the figure for yourself.
Equity release may involve a lifetime mortgage, secured against your property, or a home reversion plan. It will reduce the value of your estate and impact funding long-term care.
We take the age of the younger applicant, look it up in a loan-to-value schedule, and multiply that percentage by the property value you enter. There is nothing else in it: no assumptions about your health, your income or your circumstances, because none of those are inputs.
The schedule runs from 55 to 80 in single years. Eighty is the top of it and means eighty or over.
A schedule supplied to us by the adviser and dated July 2026. No lender publishes maximum loan to value by age on a public page, which we checked, so this is not a figure you can go and verify.
The calculator itself →The most a lender would consider before applying any criteria. The maximum is rarely the right amount to take, and the schedule we were given says so about itself.
Why the figure can change →Anything outstanding is repaid first out of the amount released. The calculator shows the gross figure, not what would reach you.
Construction, tenure, land and location are not inputs. They are assessed by a valuer and a lender afterwards.
What gets assessed →No details are collected, nothing is sent anywhere, and the figure is worked out in your own browser. There is no form in front of it and there never will be.
What we do and do not store →There used to be two sets of loan-to-value figures here: one on the home page and a different one on the calculator, disagreeing by two to three and a half percentage points. That was inherited from the original design and it meant the site answered the same question two ways.
It was resolved on 6 September 2026 by deleting the unsourced set. Everything on the site now derives from the one dated schedule, and a test fails the build if a second set ever appears.
What you would be offered. We can tell you exactly how our figure is produced and exactly where it comes from; we cannot tell you what a lender would do with your property, and no calculator anywhere can.
Equity release may involve a lifetime mortgage, secured against your property, or a home reversion plan. It will reduce the value of your estate and impact funding long-term care.
How does this compare with what an adviser sources for me?
They have live criteria from the whole market. Our figure is a dated schedule and it is honest about that.
What would I actually receive after my mortgage is repaid?
The number that matters, and the one a calculator cannot produce.
Is the maximum sensible in my case?
Usually not. Taking less costs a great deal less over twenty years.
Short answers to the things that come up most. None of it is advice, and every figure on this page carries its source.
We take the age of the younger applicant, look it up in a loan-to-value schedule, and multiply that percentage by the property value you enter. There is nothing else in it.
It runs from 55 to 80 in single years. Eighty is the top of it and means eighty or over.
There used to be two, disagreeing by two to three and a half percentage points, one on the home page and one on the calculator. The unsourced set was deleted on 6 September 2026, everything now derives from the one dated schedule, and a test fails the build if a second set ever appears.
No. There are no assumptions about your health, your income or your plans in it. Enhanced plans for health and lifestyle exist and can produce a higher figure, but they are not in this arithmetic.
Equity release may involve a lifetime mortgage, secured against your property, or a home reversion plan. It will reduce the value of your estate and impact funding long-term care.
One qualified equity release adviser. They will go through your figures and tell you if there is a better answer. It costs nothing and commits you to nothing.
Google Analytics, Microsoft Clarity and Vimeo. Say no and none of them loads. What each one stores, and what Microsoft use theirs for.