How much equity can I release?

The amount you can release from your property will depend on the value of your property and your age. The plans all come with a guarantee that no matter how much you release you will never owe more than the value of your property. There are plans where you can take as little as £10,000 tax-free and leave the rest in reserve for when you need it.

To find out exactly how much equity you can release from your property you can use our specialist equity release calculator which will give you a range of figures depending on the type of plan you wish to take. To find out more please enter your details in the calculator to the right for a full guide as to how much equity you could release.

There are three main types of Equity Release that we recommend, these are known as Lifetime Mortgages and with all of these you retain ownership of your property. A Roll-Up Lifetime Mortgage is where you receive a lump sum and retain 100% ownership of your property and there are no monthly payments to make. A Drawdown Lifetime Mortgage works the same except you can choose to release the money as and when you need it, and have funds kept in a reserve until you choose to use it. Finally, a Flexible-Lifetime Mortgage works the same, you retain full ownership and take a lump sum but you can make voluntary payments without incurring any early repayment charges.

To find out exactly how much equity you can release speak to an equity release specialist on Freephone 0800 652 2955

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  • What is a Lifetime Mortgage?
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    The savings you never knew you had

    Responsible Equity Release is a trading style of Responsible Life Limited. Responsible Life Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register ( under reference 610205.

    This is a Lifetime mortgage which may reduce the value of your estate and may affect your entitlement to state benefits. To understand the features and risks ask for a personalised illustration.

    Any information contained herein is a personal opinion of the author and should not be considered to be advice of any kind. Inheritance Tax planning is not regulated by the FCA. Think carefully before securing other debts against your home. By consolidating your debts into a mortgage you may be required to pay more over the entire term than you would with your existing debt.

    Only if you choose to proceed and your case completes will Responsible Life Limited charge an advice fee, currently not exceeding £1,490. Our adviser will talk through the setting up costs of a lifetime mortgage before you make any decision to proceed.