Equity release calculator

The calculator estimates how much equity you may be able to release based on your age, property value and basic eligibility criteria. It provides an indicative figure, not a personalised quote.

No. The result is an estimate. A qualified equity release adviser would need to assess your full circumstances to give an accurate figure.

No. Using the calculator is completely optional and anonymous. If you choose to speak with an adviser, we can connect you with a trusted partner - but only if you want further help.

No. The calculator does not run credit checks or impact your credit score in any way.

Yes. The tool is free, and you can use it as many times as you like.

You'll just need your age (or the youngest homeowner's age), your property value, and whether the home is owned by one person or jointly. No personal details are required to see your estimate.

Equity release providers base their calculations partly on life expectancy. Generally, the older you are, the more you may be able to release - but this will vary by provider.

Equity release products must be regulated by the Financial Conduct Authority (FCA). If you decide to explore it further, you'd speak with a qualified adviser who can explain the risks, protections and suitability.

Not usually. Most lifetime mortgages do not require monthly repayments, although voluntary repayments are often allowed. An adviser can explain how this works for your situation.

Equity release can reduce the value of your estate. The calculator does not take inheritance goals into account, so it's important to discuss this with a qualified adviser if you decide to explore your options.

Nothing, unless you choose to take the next step. If you request personalised advice, we can connect you with a trusted equity release specialist who can provide a tailored illustration.

We only share your information with a trusted adviser if you explicitly request to speak with one. We never pass your details to third parties without consent.

No. Equity release allows you to access money tied up in your home without monthly repayments, while remortgaging involves taking out a new mortgage with ongoing repayments. A specialist can explain the differences in more detail.

If you request help, you'll be connected with a regulated equity release adviser from one of our trusted partners. Clearwise itself does not provide advice.