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EQUITY RELEASE
CALCULATOR
No personal details required

Find out how much you could raise with an equity release lifetime mortgage

Our easy to use calculator will help you to quickly see:

  1. The maximum amount that you can raise
  2. The interest costs involved
  3. How the interest rates charged will change with the amount borrowed
  4. How the different interest rate bandings work

Using our lifetime mortgage equity release calculator

All you need to do is enter the estimated value of your property, along with your age and whether this is a joint or single application and our calculator will work out how much you could raise. You will also be asked for the amount outstanding on any existing lending against the property, such as a mortgage, as this will affect the amount of equity that you can release.

The results are instant, and unlike other equity release calculators, you do not have to provide us with any personal or contact details, so we won’t be making any sales calls or sending emails and text messages.

Just call us if you think that a lifetime mortgage might be for you, and if you require further information or a personalised detailed quote.

All lenders vary, so as independent lifetime mortgage brokers, we will always look for the best deal possible, which is most suited to your needs.

Maximum you can raise

You can raise up to

£
Option 1: Up to £0 % pa
Option 2: Up to £0 % pa
Option 3: Up to £0 % pa
Option 4: Your Preferred Option
Request a Callback
Option 1: £0 % pa
PeriodLoan AmountInterest
Month 1£0£0.00
Month 2£0£0.00
Month 3£0£0.00
Month 4£0£0.00
Month 5£0£0.00
Month 6£0£0.00
Month 7£0£0.00
Month 8£0£0.00
Month 9£0£0.00
Month 10£0£0.00
Month 11£0£0.00
Month 12£0£0.00
Year 2£0£0
Year 3£0£0
Year 4£0£0
Year 5£0£0
Year 6£0£0
Year 7£0£0
Year 8£0£0
Year 9£0£0
Year 10£0£0
Year 11£0£0
Year 12£0£0
Year 13£0£0
Year 14£0£0
Year 15£0£0
Option 2: £0 % pa
PeriodLoan AmountInterest
Month 1£0£0.00
Month 2£0£0.00
Month 3£0£0.00
Month 4£0£0.00
Month 5£0£0.00
Month 6£0£0.00
Month 7£0£0.00
Month 8£0£0.00
Month 9£0£0.00
Month 10£0£0.00
Month 11£0£0.00
Month 12£0£0.00
Year 2£0£0
Year 3£0£0
Year 4£0£0
Year 5£0£0
Year 6£0£0
Year 7£0£0
Year 8£0£0
Year 9£0£0
Year 10£0£0
Year 11£0£0
Year 12£0£0
Year 13£0£0
Year 14£0£0
Year 15£0£0
Option 3: £0 % pa
PeriodLoan AmountInterest
Month 1£0£0.00
Month 2£0£0.00
Month 3£0£0.00
Month 4£0£0.00
Month 5£0£0.00
Month 6£0£0.00
Month 7£0£0.00
Month 8£0£0.00
Month 9£0£0.00
Month 10£0£0.00
Month 11£0£0.00
Month 12£0£0.00
Year 2£0£0
Year 3£0£0
Year 4£0£0
Year 5£0£0
Year 6£0£0
Year 7£0£0
Year 8£0£0
Year 9£0£0
Year 10£0£0
Year 11£0£0
Year 12£0£0
Year 13£0£0
Year 14£0£0
Year 15£0£0
Preferred: £0 % pa
PeriodLoan AmountInterest
Month 1£0£0.00
Month 2£0£0.00
Month 3£0£0.00
Month 4£0£0.00
Month 5£0£0.00
Month 6£0£0.00
Month 7£0£0.00
Month 8£0£0.00
Month 9£0£0.00
Month 10£0£0.00
Month 11£0£0.00
Month 12£0£0.00
Year 2£0£0
Year 3£0£0
Year 4£0£0
Year 5£0£0
Year 6£0£0
Year 7£0£0
Year 8£0£0
Year 9£0£0
Year 10£0£0
Year 11£0£0
Year 12£0£0
Year 13£0£0
Year 14£0£0
Year 15£0£0

Equity Release Lifetime Mortgage Calculator - no personal contact details required

Why use our equity release lifetime mortgage calculator?

  • It's fast, easy to use, and the results are displayed instantly.
  • We don’t ask for any personal details other than your age and we don’t capture any information that you enter. After all, we’re not sales people, we’re finance specialists.
  • Borrowing less than the maximum amount means you can access better interest rates, so we show you quotes for three different loan amounts to illustrate this. (This only applies to borrowing on main residences, not Buy to Let properties or second homes, as there is less choice in those instances)

Step by step guide to using our lifetime mortgage equity release calculator

1. Enter your age - you will need to be at least 55 to be eligible for equity release.

2. Enter whether this is a single or joint application - if you are applying just in your name then it is a single application, but if you want the application in both yours and someone else’s name, then it’s a joint application. 

To take out a joint application you need to be either married, in a civil partnership or in a long term relationship where you live together.  With a joint application, if one of you passes away or moves into long term care, the other partner can remain in the property.

If you select a joint application, a box will appear for you to input your partner’s age.

3. Property value - this needs to be the open-market value of the property if it were sold today.

4. Property type - the type of property will affect the amount of equity that you can release.  Enter whether this is:

  • your main home
  • a second or holiday home
  • a buy to let investment property.

5. Mortgage balance - enter the outstanding balance of any existing mortgage that you currently have on your property.

6. Other charges - enter the total balance(s) of any other outstanding loans that you have secured against your property.  This could be a secured loan, a bridging loan, or a business loan.  You should also enter details of any other debts secured against your property, such as mortgage arrears.

We do not ask for your contact details in order to provide your results.

The calculator results explained

Once you click the calculate button, you will instantly see details of some of the options available to you.

Our online calcuator is designed to provide you with an accurate as possible guide. However, as everyone's circumstances vary, the calculations are based om our most popular options and will provide you with information on:

      1. The maximum amount that you can borrow based on your age and value of the property being used as security.
      1. The interest rates involved and how these change depending on the amount you intend to borrow. Our calculator illustrates where the bandings are for the different changes in interest rate.
      1. Illustrations of how much interest is charged each year, and in total, based on a loan running up to 15 years.

You can enter any loan amount between £25,000 and the maximum based on the value of your property and age, and our calculator will display the total interest costs for each year up to 15 years.

Different repayment options

Roll-up Interest - Under a roll-up interest plan you won’t need to make any monthly repayments for the duration of the loan.  The interest will be added to the original loan amount, normally on an annual basis.  Unless you repay the loan early, the interest that has accrued, along with the original loan amount, will be deducted from the sale of the property when you either pass away or go into long term care.

Interest Only - Under an interest only plan you can repay all, or a proportion of, the interest each month.  This will reduce the overall cost of the loan as the interest won’t build up each month on a compound basis.  If you pay the full interest amount each month, the repayment at the end of the loan term will just be for the original loan amount.

Additional Information

Criteria for a second / holiday home

To qualify as a second / holiday home the property must:

  • Be available for the sole occupancy of the owner
  • Only let out for a maximum of 4 weeks at a time
  • Be occupied by the owner for a minimum of 4 weeks during the year

Criteria for a buy to let / investment property

To qualify as a buy to let the property must:

  • Not be occupied by the owner at any time
  • Be let out with an Assured Shorthold Tenancy agreement