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Equity release calculator: Unlock your options as a homeowner

Answer a few simple questions to find out if equity release could be an option for you.

And if this isn't right for you, you will find out more about other ways we may be able to help you.

Equity release is available throughout the UK. This service is provided by StepChange Financial Solutions, part of StepChange Debt Charity. We are not a lender. We find products that suit your needs

Helping you find the best equity release option for you

Whether you are:

  • Looking to make home improvements
  • Wanting to top up your retirement income
  • Facing a mortgage shortfall

We help homeowners unlock their options.

Equity release options

There are also different types of product options available. These can be tailored to your individual needs. These include:

  • Interest only lifetime mortgage: Borrow against the value of your home. Repay all or part of the interest
  • Lifetime mortgage: Borrow against the value of your home. Have the option of making flexible payments or allowing the interest to be added to your mortgage
  • Home reversion plans: Sell your home, or a share of it. In exchange, get rent-free lifetime tenure or a cash lump sum

Product options can be adapted to your needs. We will guide you through the process. We will make sure you understand the risks so you can make a fully informed decision.

Why choose us?

  •  Free advice service: We do not charge you for advice

  •  Unbiased: Our advisors are paid a salary. There are no sales targets, bonuses, or commissions. The advice you receive is always in your best interests


  • Trustworthy: Our Financial Solutions clients gave us a 4.9 out of 5-star average review on Feefo in 2022


  • Award-winning: We have won many awards for our service over the years

Benefits of equity release

  • You may be able to use this money to deal with debt
  • The interest rate remains the same
  • You will never owe more than the value of your home. This is called a "no negative equity guarantee"
  • No monthly payments. You can make payments to cover interest or more if you choose
  • You could use the equity to supplement your income and stay in your home.

Risks of equity release

  • It may impact the size of your estate after your death
  • Future property prices might be higher or lower than they are today
  • It may affect your tax position
  • It may impact the benefits you already get or that you can apply for
  • There are implications to securing other debts against your home
  • Consolidating debts over a longer period may mean you pay more overall

Debt happens. We deal with it.

We have helped millions of people since 1993.

Find out how.

"Excellent Service"

"Received excellent advice from one of StepChange's advisors. He was very thorough, and explained all the details regarding my Equity Release application. Very smooth from start to finish. Would definitely recommend."

Caron, Feefo Review