In developmentThis website is in development and is not yet live. The content is illustrative and is still being finalised and reviewed. It is general information only, not financial advice and not a financial promotion.
An enhanced lifetime mortgage, sometimes called ill health equity release, can offer a higher maximum release or a
lower rate if certain health or lifestyle conditions apply. This is because a shorter expected lifespan reduces the
time the interest has to roll up. This tool shows an indicative uplift on the standard maximum.
Indicative maximum with enhancement
£77,000
This is an indicative estimate, not a quote, advice, or a medical assessment. The uplift shown is
an illustrative market wide assumption, not any lender's underwriting. Whether you qualify, and by how much, depends
on a lender's own assessment of your health and lifestyle. A qualified adviser can search the enhanced market for you.
The standard maximum before any enhancement
The enhancement is applied on top of the standard maximum loan to value for your age. These are the typical standard
percentages used as the starting point in this calculator.
Typical standard maximum release by age (before enhancement)
Age of youngest homeowner
Typical standard maximum
55
25%
60
30%
65
35%
70
40%
75
45%
80
50%
85
54%
Source: Indicative published market ranges, reviewed June 2026Copy this data as text
Figures are indicative maximum release percentages anchored to published lender ranges (for example Legal & General and Aviva guidance), not a quote from any lender. Enhanced plans for those in poorer health can release more. The actual amount depends on your age, health, property and the plan chosen. Last reviewed June 2026.