Equity Release — pricing factors (UK)

What lenders look at

These factors shape whether a equity release case is accepted and how it is priced. They are not a quote.

• Usually aged 55 or over, based on the youngest applicant
• Owns a UK residential property
• Wants to release equity for retirement, family support, debt repayment or home improvements
• Understands the effect on inheritance, benefits and future care funding
• Receives regulated advice before proceeding
• Main residence in acceptable condition

Use our mortgage calculators for scenario planning and compare brokers who specialise in equity release.

What moves your rate up or down

These are the strongest factors lenders weigh when setting pricing.

• Usually available to homeowners aged 55 or over
• No standard monthly repayments required on many lifetime mortgages
• Loan and interest are normally repaid from the property sale
• Can offer drawdown facilities instead of taking one lump sum
• Advice from a qualified equity release adviser is required

Fee breakdown

Common charges to plan for alongside the headline rate.

Rate FAQs

Quick answers to common pricing questions.