Equity release rates vs gilt yields
Equity release interest rates do not move at random. Lifetime mortgages are funded through the annuity market, which is priced off long dated UK government bond yields, known as gilts. So when gilt yields move, equity release rates usually follow, with a short lag. This tracker shows both together.
Sample data shown. The live Bank of England feed is being
connected. Figures below are illustrative until the automatic update is switched on.
Why rates moved this month. Long dated (25 year) gilt yields have fallen by about 0.02 percentage points over the latest month. Because lenders fund lifetime mortgages through the annuity market, which is priced off these yields, equity release rates tend to ease down with a short lag. Last updated 2026-06-10.
| Month | 15yr gilt | 25yr gilt | Typical ER rate | Lowest ER rate |
|---|---|---|---|---|
| 2025-12 | 4.71% | 4.95% | 6.9% | 6.3% |
| 2026-01 | 4.66% | 4.9% | 6.9% | 6.28% |
| 2026-02 | 4.74% | 4.98% | 6.95% | 6.34% |
| 2026-03 | 4.62% | 4.86% | 6.88% | 6.25% |
| 2026-04 | 4.55% | 4.8% | 6.82% | 6.19% |
| 2026-05 | 4.6% | 4.84% | 6.85% | 6.22% |
| 2026-06 | 4.58% | 4.82% | 6.84% | 6.21% |
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How this is measured
Gilt yields are taken from the Bank of England and the Debt Management Office. The typical and lowest equity release rates reflect published market ranges. The page updates automatically; the date above shows when it last refreshed.