Usually, the amount you can release is linked to your age; the older you are the greater the cash sum that can be released. Most providers will release a fixed percentage based on your age. For example a 60-year-old could release 20%, a 65-year–old could release 25%, and so on. The amount available varies between providers. The amount you can borrow also depends on the value of your property, your age, and sometimes your health. New mortgage rules mean any lifetime mortgage applications will be assessed based on whether you can afford to repay the loan.