Equity Release & Lifetime Mortgage Calculator
✓ Verified for 2026/27Lifetime Mortgage Details
£
£
Normally up to 20% to 50% of property value depending on age.
%
Interest compounds annually and rolls up.
years
%
Future Property Value
£0
after 15 years
Compounded Loan Balance
£0
principal + rolled-up interest
Total Interest Accrued
£0
accumulated cost
Remaining Home Equity
£0
your remaining share
Equity & Debt Comparison
Initial Property Value
£0
Initial Cash Released
£0
Compounded Loan Balance
£0
Remaining Equity
£0
Future Property Value
£0
Loan Balance
0%
Remaining Equity
0%
Year-by-Year Projection
Shows how the loan balance compounds while the property value grows.
| Year | Property Value | Loan Balance | Accum. Interest | Remaining Equity |
|---|
No Negative Equity Guarantee: Reputable lifetime mortgages in the UK (approved by the Equity Release Council) include a guarantee ensuring you or your estate will never owe more than the sale value of the property, even if the loan grows larger than the property's value.
How We Calculated This
- Input variables: Enter the relevant amounts, rates, or percentages in the form.
- Real-time breakdown: The calculator applies HMRC rules and thresholds for the 2026/27 tax year to process the values.
- Display outputs: The visual graphs, donut charts, and tables are compiled dynamically to show your net take-home and deductions.
Real-World Examples
Standard Scenario
A basic calculation applying standard UK tax bands and allowances.
Calculation runs based on standard HMRC rules.
With Pension or Deductions
Factoring in a percentage of salary sacrifice or pension contributions.
Deductions are calculated and adjusted accordingly.
Frequently Asked Questions
Is this calculator updated for the 2026/27 tax year?
Yes, all calculators are fully updated with the latest HMRC thresholds, personal allowances, and National Insurance rates for 2026/27.
Can I use this for official tax submissions?
These tools are for estimation and illustrative purposes only. For official tax returns, please consult a qualified accountant or reference HMRC directly.
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About This Calculator
This calculator uses the latest HMRC rates for the 2026/27 tax year. For illustrative purposes only — always consult a qualified tax adviser for formal advice.