Inheritance calculator
Equity Release Inheritance Calculator
Start a conversation around estate value, beneficiaries and inheritance impact. Use the result as a planning guide, then check suitability, lender criteria and the full advice route before acting.
Your figures
Enter the details.
Guide result
Your estimated result.
Property values can fall or rise. Equity release will reduce the value of your estate and may affect inheritance.
Worked example
A £350,000 home with £60,000 released.
| Property value today | £350,000 |
|---|---|
| Amount released | £60,000 |
| Interest rate (illustrative) | 6.5% a year |
| Property growth assumption | 2% a year |
| Years illustrated | 15 |
| Future property value | £471,054 |
| Future loan balance | £154,310 |
| Illustrative remaining equity | £316,743 |
These are the figures already in the calculator. Change any box to see your own guide figure.
The growth figure makes a big difference. With no change in property value, remaining equity would be £195,690. If values fell by 1% a year, it would be £146,710. The loan balance is the same in each case.
The 6.5% interest rate is illustrative only. It is not a current market rate and it is not a rate we are offering. Your adviser will show you the rates available to you in a personalised illustration.
Talk it through
Discuss your result with an adviser.
Tell us what you entered and who you want to leave money to. An adviser will explain how a plan could affect your estate, ways to protect some value, and whether another option could suit you better.
There is no obligation to go ahead, and family members are welcome to join the conversation.
Call 01202 084 064No adviser fee. Lender, valuation and legal costs may apply.
Equity release includes lifetime mortgages and home reversion plans. To understand the features and risks, ask for a personalised illustration. Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits.
Calculator results are illustrations only, not a quote or personal advice.
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Important information
Equity release is not suitable for everyone, may reduce the value of your estate, may affect entitlement to means-tested benefits and requires advice. This inheritance estimate is only a planning guide.
These calculators provide estimates only and are not personal advice. Speak to The Mortgage Hive before making financial decisions.