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Mark Gregory
Checked for accuracy and updated on 31 October 2023

Equity Release Calculator For Enhanced Lifetime Mortgages

Try our free equity release calculator for enhanced lifetime mortgages



How to use our enhanced equity release calculator

Quickly and easily receive an online estimate with our enhanced calculator for equity release.

With our equity release calculators, only your property details are required for you to see how much you could release from an enhanced lifetime mortgage. Once you’ve filled in the information, your enhanced equity release calculator results are shown instantly in an easy-to-read table.

To get instant insight into the maximum you could borrow on an enhanced lifetime mortgage, simply add in the following to our equity release calculator:

  • The value of your property (this must be a minimum of £70,000 and in the UK)
  • The age of the youngest homeowner (they must be at least 55 years old)
  • Your postcode

Our enhanced lifetime mortgage calculator makes the assumption of worst-case scenario with regards to your health in order to provide the maximum enhanced release possible.

To gain an accurate estimation of the amount of equity you could release, either contact a local equity release adviser, or use our intelligent smartER research tool.

An introduction to enhanced lifetime mortgages

It goes without saying that health conditions tend to increase as we grow older. For this reason, a history of ill-health could actually be beneficial if you’re planning to use equity release to supplement your retirement income, repay a mortgage or pay for big ticket items such as home improvements and adaptations.

Having health conditions could allow you to release more money. Life expectancy can also be used to determine the size of your equity release. Alternatively, an enhanced plan could reduce the rate of interest you are offered on some other plans.

Enhanced (or ill health) plans are only available if you have one or more of a range of health or lifestyle conditions. These vary from ones that may be managed with prescription medication through to serious illnesses. The enhancement is always applied to the youngest homeowner – so it’s their health conditions that influence the maximum enhanced lump sum available.

Lifestyle choices, such as smoking or having a high body mass index (BMI) may also mean you qualify for enhanced plans. Lenders will assess the maximum equity release possible by asking you to complete a Health and Lifestyle Questionnaire - as well as writing to your doctor for confirmation of your health.

How to compare enhanced lifetime mortgages

Looking to compare enhanced/ill-health lifetime mortgages? You can research the range of enhanced lifetime mortgages currently available to you using our compare deals functionality – a tool that’s only available at Equity Release Supermarket.

When you compare deals, you’ll be able to view all available enhanced lifetime mortgage interest rates, along with detailed features and offers from all lenders across the equity release marketplace. Alternatively, try our free intelligent smartER equity release research tool, which allows you to conduct your own research on enhanced plans across the whole of the later life market.

Looking to see how much you could release from your property with a different equity release plan? Take a look at our equity release calculator page to receive an estimate for all your eligible equity release plans.


Let’s make it personal

Your results may not be what you were expecting, but it’s important to remember they are only a guide. The enhanced calculator results are based on a calculation using severe health criteria. Your local expert adviser is on hand to answer all your questions and find the right plan for you based on your own specific health situation.
If you’re ready, why not call them now?



The Enhanced Lifetime Mortgage results shown in your calculation are only for illustrative purposes and cannot be guaranteed. This is because interest rates are subject to change and can depend on your location, health 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.