How much could you borrow with a lifetime mortgage?

A lifetime mortgage is the most common form of equity release. You borrow against your home, keep full ownership, and make no compulsory monthly payments. The interest rolls up and the loan is repaid when the last homeowner dies or moves into long term care. Enter your details below for an indicative maximum.

Indicative maximum lifetime mortgage

£77,000

Based on around 22% of your property value at age 68. Any outstanding mortgage must be repaid from the money you borrow.

This is an estimate, not a quote or advice. It uses typical published market figures, not a specific lender. The actual amount, the interest rate, and whether a lifetime mortgage is right for you can only be confirmed by a qualified adviser who reviews your full circumstances.

How the figure is worked out

Lenders publish a maximum loan to value for each age. The older the youngest homeowner, the higher the percentage of the property value they will lend. These are the typical maximum percentages used in this calculator.

Typical maximum lifetime mortgage by age
Age of youngest homeowner	Typical maximum borrowing
55	25%
60	30%
65	35%
70	40%
75	45%
80	50%
85	54%

Source: Indicative published market ranges, reviewed June 2026

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| Age of youngest homeowner | Typical maximum borrowing |
| --- | --- |
| 55 | 25% |
| 60 | 30% |
| 65 | 35% |
| 70 | 40% |
| 75 | 45% |
| 80 | 50% |
| 85 | 54% |

Source: Indicative published market ranges, reviewed June 2026

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.