Free to use, equity release calculator range. Discover how much money you could release across all the available equity release plans.
Find out the maximum amount of money you could borrow with equity release.
Find out how much money you could potentially release with an interest-only lifetime mortgage.
Health conditions could help you borrow more money. Our lifestyle calculator will advise how much you could release.
Find out how much you could borrow by selling a percentage of your property for a cash lump sum.
Find out how much money you could borrow when taking out a lifetime mortgage against your buy-to-let property.
Find out how much money you could borrow when taking out a lifetime mortgage against your second/holiday home.
Find out the maximum you could borrow with a retirement interest only mortgage (RIO) – a residential mortgage, based on income that allows you to borrow on an open-ended basis into retirement.
Find out how much money you could release with a drawdown lifetime mortgage.
Already have a lifetime mortgage? Find out what you could potentially save by switching to a new plan.
Helps you understand how much money could be left as an inheritance when your lifetime mortgage ends.
Find out how much money you could save your estate by making ad-hoc payments to reduce your final balance.
We’ve created a calculator for every lender, which allow you to check the maximum loan each lender could offer based on your criteria.
For homeowners over 50 that want to access the money tied up in their home. Learn all about equity release.
What is the equity release process? Find out what’s involved and how long it takes.
Why is it important to have expert financial advice when taking out an equity release plan?
You must be over 55 and a homeowner. Learn what the other qualifying criteria are for equity release.
Equity release is a big financial decision. What should you be thinking about before taking the next step?
There are protections and safeguards in place to ensure that equity release is safe. Learn what they are.
Many factors determine the size of your equity release loan. Understand what they are and how much you can borrow.
Equity release may not be your only solution. The many alternative options available to you are discussed here.
Find out more about the best equity release companies and providers.
Learn more about the various types of later life lending plans available to homeowners over the age of 50
The most popular equity release scheme. Learn about how they work and the range of flexible plans available.
Lifetime mortgages that allow you to release tax-free cash as a single lump sum payment. Learn more here.
Drawdown is the most popular lifetime mortgage. A flexible cash reserve allows you to receive money in smaller amounts.
Lifetime mortgage where regular interest repayments help control the final balance to be repaid. Learn how they work.
Health conditions can improve the offer from your lender. Learn how you could borrow more, or lower your rate here.
Make ad-hoc repayments which can help manage your final balance to be repaid. Learn how these lifetime mortgages work.
You could release money from your buy-to-let investment portfolio. Information and qualifying criteria on these lifetime mortgages here.
You can release money from your second or holiday home. Learn how these lifetime mortgages work.
This equity release scheme involves selling a percentage of your home. Learn how home reversion schemes work here.
Mortgages that continue into retirement based on income and affordability. Require monthly interest and or capital repayments. More details here.
RIO Mortgages continue into retirement based on income and affordability. Require monthly interest only repayments. Learn how they work.
Explore the whole range of equity release products – from lifetime mortgages to RIO’s. Our comparison tables provide a guide to the lenders rates and features available.
Flexible drawdown plans allow you to withdraw money from a cash reserve facility as and when needed in the future.
All lump sum plans here offer simplicity in design, allowing a one-off cash lump sum to be withdrawn only at outset.
Looking to maintain a level balance? These interest only plans require monthly payments of the interest charged, with no proof of income.
With a history of poor health, enhanced plans factor in ailments to determine whether a higher lump sum or lower interest rate can be achieved.
These plans help you control the future balance by making voluntary payments – either regular or ad-hoc, of upto 10% of the original amount borrowed.
RIOs allow you to borrow based on income and affordability in retirement. They require monthly interest payments for the rest of your life.
Raise a tax-free cash lump sum based on selling all or part of your property to the lender.
These are residential mortgages where the lender allows borrowing into retirement. Affordability and income based – either interest only or capital and interest.
smartER helps you find mortgage deals tailored to you. No credit checks are required.