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Home Reversion Calculator
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Mark Gregory
Checked for accuracy and updated on 26 January 2023

Home Reversion Plan

How to use the home reversion equity release calculator

To get an estimate of how much money you could access with a home reversion plan, simply input:

  • the value of your property (which must be a minimum of £50,000 and in the UK)
  • the age of the youngest homeowner (which must be at least 50)
  • your postcode
  • the percentage of your home’s equity you want to release (up to 100%)
  • whether you are applying by yourself or in joint names

This is the criteria that home reversion providers use when deciding how much money you can release.

An introduction to home reversion plans

Home reversion plans were the forerunner of today’s modern lifetime mortgages. They have declined in popularity over recent years as lifetime mortgages now offer bigger lump sums and flexible features that can be tailored to your individual needs.

That said, home reversion plans could still be an option to consider, depending on your property type and whether you want to guarantee an inheritance for your loved ones. Home reversion plans tend to have more lenient underwriting and accept certain property types that lifetime mortgage lenders don’t.

The home reversion plan works by selling a percentage of your property to the lender (reversion provider) in exchange for a tax-free lump sum and lifetime tenancy. Any amount unsold is still retained by you, so when the property is eventually sold, your beneficiaries inherit that percentage value of the home.

Want to compare home reversion schemes?

You can research the full range of home reversion schemes currently available using our ‘Compare Deals’ functionality – a tool that’s only available at Equity Release Supermarket.

You’ll be able to see interest rates for each plan, as well as features and offers from all lenders across the market. Alternatively, try our free intelligent smartER research tool which allows you to conduct your own research on enhanced plans from across the whole later life market.

Let’s make it personal

Your home reversion equity release calculator 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 find the right plan for you. If you’re ready, why not call them now?

The home reversion scheme results shown in your calculation are only for illustrative purposes and cannot be guaranteed. To understand the features, benefits and risks of a home reversion plan, please contact us and ask for your own individual, personalised illustration.