Equity Release Calculator
See how much you could unlock with our Lifetime Mortgage calculator from your property in under 30 seconds. You won’t need to provide any personal details to use our equity release calculator. This calculator is for illustrative purposes only. For an exact breakdown of your repayments, please seek advice.
Please note that if the youngest applicant is within 50 days of their birthday, this may reduce the applicable rates for a given borrowing amount or increase the borrowing for the same rate. Additionally, rates may be favourably adjusted based on the health and lifestyle of clients. This includes factors such as body mass index (BMI), alcohol consumption, smoker status, and pre-existing conditions like high blood pressure, diabetes, and 20 other health conditions.
Further favourable adjustments may be available if you intend to service some or all of the rolled-up interest for a period of the mortgage. For example, if a you choose to service 50% of the interest charge for the first five years of the mortgage, this is likely to improve the offering to the client.
Please always contact us to understand the best options available to your specific circumstances.

Is our calculator accurate?
Our later life mortgage calculator shows the maximum loan you may be able to release from your home. For accuracy, we recommend you complete a questionnaire with our equity release advisor.
Things that can affect an equity release mortgage that you should be aware of:
- Non-standard construction of your property can affect lending due to the increased difficulty of onward sale of these types of properties.
We only advise on lifetime mortgages and not home reversion plans.
- The amount you borrow may increase the interest rate available. Therefore, it may be advisable to release a smaller amount.
Those with severe health conditions, may be able to secure higher borrowing, or a reduced mortgage rate for a given amount of borrowing. This is due to reduced life expectancy.
- Every lender has specific criteria related to their products; we help you understand the options available to you.
- Products and rates change over time.
Do I qualify for later life lending?
You should be eligible for an equity release mortgage if you can answer ‘yes’ to the questions below.
Age
Is the youngest person who owns the house over 55?
Residential Status
Do you own your own property, is it based in the UK and are you a UK citizen?
House Value
As a rule, most lenders need your property to be worth £70,000 or more, but it does vary by lender; how much is yours worth?
Existing mortgage
Are you able to repay your existing mortgage in full with an equity release mortgage, or are you mortgage-free?
Property type
Is your home built using standard construction methods?
The amount you intend to release
Many lenders have a minimum release amount, but it varies, some say £10,000, £15,000, or even £20,000 minimum release. So, do you plan to release at least £10,000?
This is a lifetime mortgage. To understand the features and risks, please ask for a personalised illustration. Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice.
Read our free guide to a Lifetime Mortgage
Our free lifetime mortgage guide will give you all the facts about a lifetime mortgage, and can help you to decide whether it’s something you’d like to consider.
Things you need to know about equity release
We will consider other later life lending products during our advice process that may better suit your needs.
Financial Advice – Later life mortgages require you seek financial advice and the person providing this advice is regulated by the Financial Conduct Authority.
Rolled-up Interest – Most plans allow interest to roll-up, which means the borrowing will compound over time.
Inheritance – Later life lending may affect the value of your estate left to family.
Benefits – If you receive means-tested benefits, then taking an equity release mortgage could affect the benefits you receive.
Long-term lending – Later life mortgages last for your lifetime, or when you enter long-term care; some plans have early repayment charges, which can be high in the early years.
Therefore, we urge you to seek independent advice, so you can make informed choices.
* Remember a mortgage is secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. All of the above products are available through Frog Financial Management other than Home Reversion Plans. According to the Equity Release Council, home reversion plans make up less than 1% of the equity release market.