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Work out your figure

Equity release calculatorYour figure from your age and property value.

Loan to value by age, 55 to 80Every single year, from the July 2026 schedule.

Lump sum or drawdownTake it all now, or take it as you need it.

Getting more than the maximumWhen an enhanced or ill-health plan applies.

How we check our figuresThe standard every page here is held to, and every correction we have made.

Before you decide

What decides whether it is possibleYour age, your property, and what is never assessed.

What it actually costsThe lowest rate we can verify, and what moves it.

The property features that raise a questionKnotweed, annexes, short leases and the rest.

Japanese knotweedWhat a valuer assesses, and why the seven-metre rule went.

Spray foam insulationWhere you stand, and the inspection protocol that exists.

Today’s figures

[6.20%]lowest rate we can verify, fixed for life

43.5%most you could release at 70

Open the calculator Sources: [lender rate sheets], LTV schedule July 2026, supplied by the adviser. Checked 5 September 2026.

Rates Eligibility Guides Updates

Glossary

Jump to a letter

Everything is on one page, so your browser’s own find works across the lot.

Words people are handed

Lifetime mortgage in the glossaryThe product most people mean by equity release.

No-negative-equity guarantee in the glossaryWhy no debt can pass to your family.

Loan-to-value in the glossaryThe percentage that decides how much you could release.

Drawdown in the glossaryTaking it in stages instead of all at once.

Early repayment charge in the glossaryWhat it can cost to repay a plan early.

Compound interest in the glossaryInterest charged on interest, and why it matters here.

Home reversion plan in the glossaryThe other kind: selling a share rather than borrowing.

Key Facts Illustration in the glossaryThe document an adviser must give you.

The whole vocabulary

289 terms, explained in ordinary words

One page rather than 289 thin ones, so you can look up two words in the same sentence without going anywhere.

Open the glossary The Plain English Library →

Speak to an adviser

Updates

What changed, and when we checked it

This is a record rather than a commentary. When a figure moves, a rule changes or a source is updated, it goes here with the document it came from and the date somebody opened it. We do not forecast and we do not publish a view.

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 this page is kept

Written by: Equity Release Facts editorial
Last checked: 8 September 2026
Next review: 8 March 2027

8 September 2026 · source published 3 August 2026

Equity release lending grew again in the second quarter

See what the market actually did last quarter, from the trade body's own returns.

8 September 2026 · source published 4 June 2026

The FCA is running a market study into lifetime mortgages

Know that the regulator is looking at this market, what it is examining, and when it reports.

Corrections live somewhere else

When we get something wrong the change is logged on the page it affects and listed publicly, with the date and what changed. That list deliberately includes the mistakes rather than only the improvements.

How we check our figures →

Who publishes this

We are not advisers and we are not authorised to give advice. What we do is read the primary sources and write down the date we read them.

Who publishes this site →

Questions people ask about this

Short answers to the things that come up most. None of it is advice, and every figure on this page carries its source.

What goes in this section?

Changes we can source. A quarterly figure moving, a rule or standard being updated, a regulator opening or closing a piece of work. Each entry names the document it came from and the date somebody opened it, so you can go and read the same thing we read.

Is this a blog?

Not in the usual sense. There is no opinion here, no forecast and no commentary on what any of it means for prices or rates. We are not authorised to give a view, so what you get is a record of what changed and where the figure came from.

How often is it updated?

When there is something sourced to report, rather than to a schedule. The Equity Release Council publishes market figures quarterly, which is the most regular thing here, and anything else appears when a primary source actually changes rather than when a calendar says so.

Where do corrections appear?

On the page they affect and on our how we check page, which lists every material change with its date. That list deliberately includes the things we got wrong rather than only the improvements, because a corrections log containing only improvements is an advertisement.

Worth knowing

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.

Talk it through with an adviser

Takes about two minutesFree, no obligation, and nothing committed

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.

Your name Telephone Your age What your home is worth

Yes, pass my name and number to an equity release adviser so they can ring me about equity release. Nobody else will be sent them, and I can change my mind at any time. How we use your details.

Advice is required to proceed with equity release and there may be other options which better suit your circumstances. Only if your case completes would an advice fee be payable, and the adviser will tell you what theirs is before you commit to anything. Other lender and solicitor fees may apply.

We pass your details to one adviser and nobody else.