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How much equity could you release?

To find out how much tax-free cash you could release from your home, simply fill in your details below.

Let us calculate how much equity you could release

Please note, this form does not provide an instant online quote. As an FCA-authorised independent company, we can access a wide range of lenders to find the best equity release products for you, unlike many online calculators that are limited to specific lenders and rates. Click here to learn more.

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What our customers think

Luisa ValentiLuisa Valenti
10:19 22 Apr 24
Outstanding… I cannot recommend Hearthstone Mortgages highly enough. Ajay and his team go above and beyond to ensure a smooth running process. They recently secured me a highly competitive mortgage rate on a very difficult off-plan development. Communication throughout the process was exceptionally. A professional yet friendly company. They are now looking after my entire portfolio of properties… Thankyou!!
Paul SmithPaul Smith
09:22 17 Apr 24
Fabulous from start to finish! Hands on, helpful, and extremely resourceful. Have no reservations about recommending Ajay and his team, first class!
Georgia Bellis-JonesGeorgia Bellis-Jones
11:48 04 Apr 24
You couldn’t find a better mortgage broker. Ajay & Jordanne know the market and lenders inside out, and they go above and beyond to help you secure the best offer and push things along. I have worked with them on a a mortgage for my own home and a mortgage for a BTL, and I’d say one of their biggest strengths is that they really understand property investment and therefore know exactly what’s possible for BTL/HMO/SA etc mortgages (not always the case with other brokers). Highly recommend!
niven macvicarniven macvicar
14:26 03 Apr 24
Jordanne was spot on, fast and efficient in getting me the mortgages and refinances I was looking for. Even in difficult places like cemeteries. :)Keep up the great work. Would 100% recommend and use again.
Jake FollyJake Folly
13:34 02 Apr 24
Working with Ajay & Jordanne is one of the best decisions we have made.Their knowledge in property and mortgages is unbeatable and they provide the highest quality service. They are honest, ethical and willing to go a thousand miles above and beyond and I have full faith that they will continue to be the best in the market.I would highly recommend to anyone to work with Hearthstone Mortgages.
Anneka KAnneka K
13:14 02 Apr 24
Jordanne Whiley is my broker and she is 1000% the best broker anyone could ever ask for! She is so knowledgeable and talented in all aspects of property mortgages, lending and investing. She goes above and beyond what anyone could ever wish for in a broker and fights your corner treating each deal as her own. Not only did she get me started on my property business but she has massively helped me start out and answered so many of the questions I had with so much patience, kindness and knowledge. Every single person I meet who needs a broker I send her way without hesitation because I couldn't recommend anyone else more highly! Thank you Jordanne!!!
Kashif SharifKashif Sharif
15:32 22 Sep 23
The team at Hearthstone Mortgages recently managed my re-mortgage. Their service was very professional, swift, and ultra efficient. I am absolutely delighted with how the process went from start to finish, and I would highly recommend doing business with them.
Gary CorbettGary Corbett
18:08 15 Sep 23
Incredible service and advice from start to finish. When you work with Ajay you feel that your deal matters to him as much as it matters to you.A great addition to any power team, I look forward to working with Ajay on our next project.Highly recommend!
Sandra BSandra B
13:45 31 Aug 23
Best experience with a mortgage broker in a long time. Very responsive and reliable. Special thanks to Jordanne, highly recommend them!
Lee TomlinsonLee Tomlinson
22:33 30 Aug 23
I've worked with Hearthstone Mortgages on a number of occasions and have a great relationship with them. They have found me some great deals and communication is great whenever I need support. We'll certainly work together in the future.
Joe NewmanJoe Newman
17:20 22 Aug 23
Had an excellent experience dealing with both Ajay and Nadine who assisted my limited company with a remortgage and purchase at the same time. Would highly recommend and will definitely use again in the future.
joey awaritefejoey awaritefe
20:38 17 Aug 23
Hearthstone Mortgages were great at supporting us with first getting a bridging loan, and then securing a buy to let mortgage.Ajay was able to provide guidance throughout the processes and Nadine was always on hand to ensure things were ticking along and to answer any queries.
Jason EdgeJason Edge
22:04 16 Aug 23
Used Hearthstone for the first remortgage in our portfolio. Jordanne was very helpful through the whole process and a pleasure to work with. In you need advice or a mortgage of any kind I would highly recommend them. Thanks again
Jamie BoxallJamie Boxall
11:07 16 Aug 23
We have been working with hearthstone now for two years.The team are incredible at what they do they take time to understand your case and really work to get your the right product for you.I strongly recommend Ajay and his team to any investors or for your own residential purchase
Conor HarrisonConor Harrison
18:38 21 Dec 22
Second time I've worked with Ajay at hearthstone and won't be the last! An expert in his field and delivers such a personable and professional service, thanks for everything!
King Panda PropertiesKing Panda Properties
08:12 03 Dec 22
Excellent knowledge, systems and client care, Hearthstone Mortgages has it all!In particular, a portfolio owner herself, Mortgage Advisor Jordanne deserves a special mention. From Day 1 her understanding and attention to my client needs has been outstanding and she is an absolute asset to the business and company owner, Ajay.I wholeheartedly recommend using Hearthstone based on my experiences, be it a private mortgage, BTL, portfolio etc. I will certainly be continuing to use them going forward. Thanks, Jordanne. KPP
Simon CharnockSimon Charnock
17:46 14 Sep 22
Great communication throughout, excellent service, always happy to help and advise making the remortgage of a HMO property very straight forward.Thanks Ajay and teamSimon @ C&W Homes
Carys GreenCarys Green
18:15 11 Jan 22
I can’t fault the service i received for my remortgage. Other advisors were put off with my slightly complicated situation however Ajay made the whole process easy and completely seamless. He also went above and beyond to push forward to completion whilst he was on holiday.Thanks for all your help and looking forward to working with you again in the future.
Dessi DonchevaDessi Doncheva
16:21 13 Mar 21
Couldn't thank Ajay from Hearthstone Mortgages enough for his support, professionalism and responsiveness! Ajay pretty much held our hands through the purchase of our first investment property, guiding us through the process, explaining every detail I questioned on the mortgage documents and doing his best to speed up the purchase at a time when solicitors and lenders were being inundated with work and slowing things down. When our mortgage offer expired, Ajay got right on it and even got us a better rate! Not to mention, he was even chasing our solicitors and escalated the case internally as the solicitor handling our case wasn't very on top of things, so Ajay got them changed, leading to the purchase completing within a few weeks afterwards. All of this for a very fair price - what you pay is much less than what you get! Thoroughly recommend Ajay and the team and will be using them again in the future for sure!

What you need to know about Equity Release

Why don't we provide an online equity release calculator?

Many other equity release companies offer products tied to specific interest rates as part of their equity release products. We are an independent company directly authorised by the FCA, so we don’t have restrictions on which lenders we work with. This allows us to find the best equity release products for you. When you submit your details via our online form, we scour the market for the best deal, and as deals change constantly, we can’t practically do this with an online calculator.

Are you eligible for equity release?

You are eligible for equity release if you are aged 55 or over. Any existing mortgage on your home must be repaid. Homeowner must be over 55 and UK resident (excl. NI). If you’re applying as a couple, both you and your partner must be aged 55 or over.

Do you payback equity release?

You do payback the equity you release from your property. You can pay back the loan at any time, however early repayment charges will be payable for a set amount of time, usually between 8-15 years. 

You may also be able to make overpayments or voluntary payments during the term of your loan without penalty. However, if the loan is repaid on death, or upon entering long term care, then no early repayment charges will apply. 

Equity release requires paying off any existing mortgage.

How much equity could you release?

How much equity you can release from your property is determined by the value of your property, your age and your personal circumstances. The maximum loan to value you can release is 55%. 

Please note: Equity release involves securing a loan against your home and requires a detailed application process. It’s important to be aware that this decision could impact your homeownership, especially if long-term care is needed in the future. We encourage discussing this option with a financial advisor to determine how it fits with your overall financial strategy

What does martin Lewsi think about Equity Release?

Martin Lewis states that equity release can be a good financial product if you require the funds and are not concerned about the impact of leaving an inheritance. However, he says equity release can be expensive and that you should always consider downsizing first, as he believes it is the easiest way to release equity from your home.

Do you get taxed on equity release

The short answer is no, there’s no direct tax to pay on the money you receive from an Equity Release plan. When you borrow against your home with a Lifetime Mortgage, it’s not classed as income so there’s no income tax to pay on the money.

Let us find an Equity Release mortgage
for you

Jordanne is our equity release expert and is available Monday to Friday, for a no obligation consultation.

Jordanne Whiley

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THINK CAREFULLY BEFORE SECURING DEBTS AGAINST YOUR HOME OR PROPERTY. Your home or property may be repossessed if you do not keep up repayments on your mortgage. Hearthstone Mortgages is a trading name of Hearthstone Advisory Limited, which is authorised and regulated by the Financial Conduct Authority (FRN: 945282). Hearthstone Advisory Limited is a company registered in England and Wales (Company Number 10563329) with its registered office at Europa House, Marsham Way, Gerrards Cross, Buckinghamshire, SL9 8BQ. View us on the FCA register here. We are a credit broker, not a lender. We may receive commissions that will vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.

© 2023 All rights reserved. Hearthstone Mortgages, a trading name of Hearthstone Advisory Limited.

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