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Equity Release Calculators Equity Remaining Calculator

Equity remaining calculator

One of the greatest concerns when taking out a lifetime mortgage, the most popular type of equity release plan, is that it won’t leave any inheritance for your loved ones.

Equity release will certainly impact on your inheritance and the value of your estate, but there are ways to minimise this through certain types of plan.

You should also consider the impact of house prices because the greater the value of your home when your plan is repaid (either when the last homeowner dies or moves into long-term care), the larger your inheritance will be.

While house prices may go up and down, recent history shows us that they have only gone up over the longer term. According to the Nationwide House Price Index, the average house price has increased by 339% over the last 30 years.*

The government’s website (using Land Registry data) has a useful tool which allows you to track the rise in house prices over time.

How much inheritance could I leave?

To get an idea of how much inheritance you will leave when your equity release plan is repaid, we’ve developed the calculator below. It's based on a roll-up lifetime mortgage where no repayments are made, so the interest compounds annually.

It’s simple to use and you can change results dependent upon what you think may happen in the future – such as how much you wish to borrow, the interest rate on your plan and how much you think your house will go up in value each year as a percentage (also known as the House Price Index or HPI).

Your results are shown instantly within an easy to read format.



Let’s make it personal

Your equity remaining results may not be what you were expecting but it’s important to remember they are only a guide. Your local expert adviser is on hand to answer all your questions and help you understand the impact of equity release on your inheritance. If you’re ready, why not call them now?



The Equity Remaining results shown in the calculation are only for illustrative purposes and cannot be guaranteed. This is because house price increases are subject to change and can depend on your location and the amount of capital you need to fulfil your personal circumstances. To understand the features, benefits and risks of a lifetime mortgage, please contact us and ask for your own individual, personalised illustration.

* Nationwide House Price Index. All UK house price as Q2 1988 - £48,932. Q2 2018 - £214,578.