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Equity Remaining Calculator

What is Your Remaining Equity? Try This Equity Release Calculator

Try our free equity remaining calculator to see how much equity you could retain

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Mark Gregory
Checked for accuracy and updated on 31 October 2023

How to use our equity remaining equity release calculator

Simply use our equity remaining calculator for your equity release plan to get an instant estimate of the maximum you could save.

This helpful calculator gives you an idea of how much inheritance you will leave when your equity release plan is repaid. To help you get the answers you need, the equity remaining calculation has been based on a roll-up lifetime mortgage where no repayments are made, so the interest compounds annually.

You can easily change the results dependent upon personal factors – 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).

With our equity release calculators, no further details are required for you to see how much you could release from any of our lifetime mortgages. Once you've filled in the information, the amount of equity remaining after your equity release plan ends is shown instantly in an easy-to-read table.

Looking to find personalised calculations for other eligible equity release plans? Try smartER, an innovative equity release tool that provides real-time calculations across the entire market.

Why find out how much equity is remaining on a lifetime mortgage?

For many of our customers, particularly those with beneficiaries, it’s important for them to understand how much money they’ll leave for their loved ones, once their lifetime mortgage is repaid.

While equity release will certainly impact on your inheritance and the value of your estate, there are ways to minimise this with certain types of later life equity release plans.

It's also important to consider the impact of house prices. 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 over the longer term they have mainly increased. According to the Nationwide House Price Index, the average house price has increased by 444% over the last 30 years*.

The government's website (using Land Registry data) has a useful property price trend tool that allows you to track the rise in house prices over time.

Have questions about how much money could be left to loved ones after your lifetime mortgage is repaid? Or perhaps you would like to discuss switching plans instead? View our switch plans calculator if you’d like to know more about other lifetime mortgage plans. Alternatively, speak to one of our local Equity Release Supermarket advisers who will be able to talk this through with you in more detail.

Want to learn more about how much equity you could leave behind for your loved ones? Take a look at our equity release news hub for all the information you need about inheritance and equity release.

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 Q4 1992 - £50,168. Q3 2022 - £273,1358.