{ "name": "Corp Tax Calculator Equity Release Rate Index", "title": "Equity Release Rate Index", "url": "https://corptaxcalculator.co.uk/datasets/equity-release-rate-index/", "csv": "https://corptaxcalculator.co.uk/datasets/equity-release-rate-index.csv", "markdown": "https://corptaxcalculator.co.uk/datasets/equity-release-rate-index/index.md", "computed_at": "2026-10-21", "license": "https://corptaxcalculator.co.uk/terms", "headline": "The Equity Release Rate Index carries 5 published figures read from 3 sources' own pages, from 10,000 to 126,422 GBP, read 12 October 2026.", "quotes": [ "The Equity Release Rate Index carries 5 published figures read from 3 sources' own pages, from 10,000 to 126,422 GBP, read 12 October 2026.", "3 of the 21 named sources read in full publish a figure; 18 publish none, read 12 October 2026.", "Equity Release Rate Index, lender Aviva, minimum property value: median 75,000 GBP across 1 source, read 12 October 2026.", "Equity Release Rate Index, lender Just, minimum initial advance: median 10,000 GBP across 1 source, read 12 October 2026.", "Equity Release Rate Index, lender Just, voluntary repayment allowance: median 100 percent across 1 source, read 12 October 2026.", "Equity Release Rate Index, lender Just, voluntary repayment allowance (ad hoc, % of each advance per 12 months): median 10 percent across 1 source, read 12 October 2026.", "Equity Release Rate Index, lender Equity Release Council, average new lump sum loan: median 126,422 GBP across 1 source, read 12 October 2026.", "Equity Release Rate Index, lender Equity Release Council, average new initial drawdown: median 65,856 GBP across 1 source, read 12 October 2026.", "Equity Release Rate Index, lender Equity Release Council, average new drawdown reserve facility: median 53,338 GBP across 1 source, read 12 October 2026.", "Equity Release Rate Index, time Q2 2025, lender=Equity Release Council, average APR: median 7.24 percent across 1 source, read 12 October 2026.", "Equity Release Rate Index, time Q2 2024, lender=Equity Release Council, average APR: median 6.64 percent across 1 source, read 12 October 2026." ], "citation": "\"Corp Tax Calculator Equity Release Rate Index\", updated 2026-10-21, https://corptaxcalculator.co.uk/datasets/equity-release-rate-index/.", "changed_since": null, "national": { "unit": "GBP", "n": 5, "median": 65856, "min": 10000, "max": 126422, "p25": 31669, "p75": 100711, "mean": 66123.2, "units": { "%": 4, "GBP": 5 }, "published_sources": 3, "named_sources": 22, "read_sources": 21, "not_published": 18, "published_share": 0.143 }, "by_axis": { "lender": { "Aviva, minimum property value": { "GBP": { "n": 1, "median": 75000, "min": 75000, "max": 75000, "p25": 75000, "p75": 75000, "mean": 75000 } }, "Just, minimum initial advance": { "GBP": { "n": 1, "median": 10000, "min": 10000, "max": 10000, "p25": 10000, "p75": 10000, "mean": 10000 } }, "Just, voluntary repayment allowance": { "%": { "n": 1, "median": 100, "min": 100, "max": 100, "p25": 100, "p75": 100, "mean": 100 } }, "Just, voluntary repayment allowance (ad hoc, % of each advance per 12 months)": { "%": { "n": 1, "median": 10, "min": 10, "max": 10, "p25": 10, "p75": 10, "mean": 10 } }, "Equity Release Council, average new lump sum loan": { "GBP": { "n": 1, "median": 126422, "min": 126422, "max": 126422, "p25": 126422, "p75": 126422, "mean": 126422 } }, "Equity Release Council, average new initial drawdown": { "GBP": { "n": 1, "median": 65856, "min": 65856, "max": 65856, "p25": 65856, "p75": 65856, "mean": 65856 } }, "Equity Release Council, average new drawdown reserve facility": { "GBP": { "n": 1, "median": 53338, "min": 53338, "max": 53338, "p25": 53338, "p75": 53338, "mean": 53338 } } }, "time": { "Q2 2025, lender=Equity Release Council, average APR": { "%": { "n": 1, "median": 7.24, "min": 7.24, "max": 7.24, "p25": 7.24, "p75": 7.24, "mean": 7.24 } }, "Q2 2024, lender=Equity Release Council, average APR": { "%": { "n": 1, "median": 6.64, "min": 6.64, "max": 6.64, "p25": 6.64, "p75": 6.64, "mean": 6.64 } } } }, "rows": [ { "source": "Aviva - equity release calculator", "url": "https://www.aviva.co.uk/retirement/equity-release/equity-release-calculator/", "figure": "£75,000.", "value": 75000, "unit": "GBP", "vat": null, "axis": { "lender": "Aviva, minimum property value" }, "retrieved_at": "2026-10-12", "quote": "Tell us about your property You need to own a home worth over £75,000.", "source_class": "primary-provider-own-site", "text_sha256": "a1ba95fda07dce22761eaf785f50bc73a437300dc351826897d4064365c9ee72" }, { "source": "Just - Just For You Lifetime Mortgage at a glance", "url": "https://www.justadviser.com/products/lifetime-mortgages/Just-For-You-Lifetime-Mortgage/lifetime-mortgage-at-a-glance/", "figure": "£10,000 ", "value": 10000, "unit": "GBP", "vat": null, "axis": { "lender": "Just, minimum initial advance" }, "retrieved_at": "2026-10-12", "quote": "£10,000 without monthly payment option", "source_class": "primary-provider-own-site", "text_sha256": "2de3132e06c95594e5a62f934ab3d306b276b70492208bf182e309564dd78c0c" }, { "source": "Just - Just For You Lifetime Mortgage at a glance", "url": "https://www.justadviser.com/products/lifetime-mortgages/Just-For-You-Lifetime-Mortgage/lifetime-mortgage-at-a-glance/", "figure": "100%", "value": 100, "unit": "%", "vat": null, "axis": { "lender": "Just, voluntary repayment allowance" }, "retrieved_at": "2026-10-12", "quote": "£25 to 100% of the monthly interest amount.", "source_class": "primary-provider-own-site", "text_sha256": "2de3132e06c95594e5a62f934ab3d306b276b70492208bf182e309564dd78c0c" }, { "source": "Just - Just For You Lifetime Mortgage at a glance", "url": "https://www.justadviser.com/products/lifetime-mortgages/Just-For-You-Lifetime-Mortgage/lifetime-mortgage-at-a-glance/", "figure": "10%", "value": 10, "unit": "%", "vat": null, "axis": { "lender": "Just, voluntary repayment allowance (ad hoc, % of each advance per 12 months)" }, "retrieved_at": "2026-10-12", "quote": "Up to 10% of each advance in each 12 month period following completion of the advance.", "source_class": "primary-provider-own-site", "text_sha256": "2de3132e06c95594e5a62f934ab3d306b276b70492208bf182e309564dd78c0c" }, { "source": "Equity Release Council - market research and data", "url": "https://www.equityreleasecouncil.com/news_type/market-research-data/", "figure": "7.24%", "value": 7.24, "unit": "%", "vat": null, "axis": { "time": "Q2 2025, lender=Equity Release Council, average APR" }, "retrieved_at": "2026-10-12", "quote": "While product availability remained robust with over 1,669 plans for advisers to choose from at the end of June, the average APR was 7.24% in Q2 2025.", "source_class": "first-party-index", "text_sha256": "8244c3bb1214dead7df53683ffa0c29a92b355e1c3e454e07abd48e87a4d5847" }, { "source": "Equity Release Council - market research and data", "url": "https://www.equityreleasecouncil.com/news_type/market-research-data/", "figure": "6.64%", "value": 6.64, "unit": "%", "vat": null, "axis": { "time": "Q2 2024, lender=Equity Release Council, average APR" }, "retrieved_at": "2026-10-12", "quote": "While product availability remained robust with over 1,669 plans for advisers to choose from at the end of June, the average APR was 7.24% in Q2 2025. This is higher than in Q2 2024 (6.64%) as gilt yields continued to rise as investors look for guaranteed returns amid global economic uncertainty.", "source_class": "first-party-index", "text_sha256": "8244c3bb1214dead7df53683ffa0c29a92b355e1c3e454e07abd48e87a4d5847" }, { "source": "Equity Release Council - market research and data", "url": "https://www.equityreleasecouncil.com/news_type/market-research-data/", "figure": "£126,422 ", "value": 126422, "unit": "GBP", "vat": null, "axis": { "lender": "Equity Release Council, average new lump sum loan" }, "retrieved_at": "2026-10-12", "quote": "Average loan sizes Quarterly change Annual change New lump sum £126,422 -1% +14%", "source_class": "first-party-index", "text_sha256": "8244c3bb1214dead7df53683ffa0c29a92b355e1c3e454e07abd48e87a4d5847" }, { "source": "Equity Release Council - market research and data", "url": "https://www.equityreleasecouncil.com/news_type/market-research-data/", "figure": "£65,856 ", "value": 65856, "unit": "GBP", "vat": null, "axis": { "lender": "Equity Release Council, average new initial drawdown" }, "retrieved_at": "2026-10-12", "quote": "New initial drawdown £65,856 -6% +1%", "source_class": "first-party-index", "text_sha256": "8244c3bb1214dead7df53683ffa0c29a92b355e1c3e454e07abd48e87a4d5847" }, { "source": "Equity Release Council - market research and data", "url": "https://www.equityreleasecouncil.com/news_type/market-research-data/", "figure": "£53,338 ", "value": 53338, "unit": "GBP", "vat": null, "axis": { "lender": "Equity Release Council, average new drawdown reserve facility" }, "retrieved_at": "2026-10-12", "quote": "New drawdown reserve facility £53,338 -13% +16%", "source_class": "first-party-index", "text_sha256": "8244c3bb1214dead7df53683ffa0c29a92b355e1c3e454e07abd48e87a4d5847" } ], "not_published": [ { "source": "Royal London - equity release, what it is and how it works", "url": "https://www.royallondon.com/retirement-planning/releasing-equity/equity-release/", "retrieved_at": "2026-10-12", "reason": "every candidate on the page was refused" }, { "source": "Royal London Equity Release - the lender", "url": "https://equityrelease.royallondon.com/", "retrieved_at": "2026-09-12", "reason": "read in full and no accepted figure on the page" }, { "source": "Royal London for advisers - equity release", "url": "https://adviser.royallondon.com/equity-release/", "retrieved_at": "2026-10-12", "reason": "read in full and no accepted figure on the page" }, { "source": "Just - Just For You Lifetime Mortgage", "url": "https://www.justadviser.com/products/lifetime-mortgages/Just-For-You-Lifetime-Mortgage/", "retrieved_at": "2026-09-12", "reason": "every candidate on the page was refused" }, { "source": "Canada Life - lifetime mortgages", "url": "https://www.canadalife.co.uk/home-finance/lifetime-mortgages/", "retrieved_at": "2026-09-12", "reason": "read in full and no accepted figure on the page" }, { "source": "Canada Life - what is equity release", "url": "https://www.canadalife.co.uk/home-finance/what-is-equity-release/", "retrieved_at": "2026-09-12", "reason": "read in full and no accepted figure on the page" }, { "source": "more2life - our lifetime mortgages", "url": "https://www.more2life.co.uk/customer/new-customer/our-lifetime-mortgages", "retrieved_at": "2026-09-12", "reason": "read in full and no accepted figure on the page" }, { "source": "Pure Retirement - lifetime mortgages", "url": "https://pureretirement.co.uk/professionals/lifetime-mortgages", "retrieved_at": "2026-09-12", "reason": "read in full and no accepted figure on the page" }, { "source": "LV= for advisers - lifetime mortgages", "url": "https://www.lvadviser.com/equity-release/lifetime-mortgages", "retrieved_at": "2026-10-12", "reason": "read in full and no accepted figure on the page" }, { "source": "Standard Life - launch of the Horizon lifetime mortgage range", "url": "https://www.standardlife.co.uk/about/press-releases/standard-life-launches-flexible-new-lifetime-mortgage-product", "retrieved_at": "2026-09-12", "reason": "read in full and no accepted figure on the page" }, { "source": "Key - equity release interest rates", "url": "https://www.keyadvice.co.uk/equity-release/interest-rates", "retrieved_at": "2026-10-12", "reason": "every candidate on the page was refused" }, { "source": "Nationwide - later life mortgage lending", "url": "https://www.nationwide.co.uk/media/news/nationwide-opens-up-later-life-mortgage-lending-as-it-boosts-access-to-all-older-borrowers", "retrieved_at": "2026-10-12", "reason": "every candidate on the page was refused" }, { "source": "Equity Release Council - the standards", "url": "https://www.equityreleasecouncil.com/", "retrieved_at": "2026-10-12", "reason": "read in full and no accepted figure on the page" }, { "source": "FCA Handbook - MCOB 9, equity release product disclosure", "url": "https://handbook.fca.org.uk/handbook/mcob9", "retrieved_at": "2026-10-12", "reason": "every candidate on the page was refused" }, { "source": "Money Release - equity release interest rates by lender", "url": "https://www.moneyrelease.co.uk/Equity-Release/Interest-Rates/", "retrieved_at": "2026-10-12", "reason": "every candidate on the page was refused" }, { "source": "Equity Release Warehouse - live equity release interest rates", "url": "https://www.equityreleasewarehouse.com/live-equity-release-interest-rates/", "retrieved_at": "2026-10-12", "reason": "every candidate on the page was refused" }, { "source": "Over50Choices - compare equity release interest rates", "url": "https://www.over50choices.co.uk/equity-release/compare", "retrieved_at": "2026-10-12", "reason": "every candidate on the page was refused" }, { "source": "Legal & General - lifetime mortgage interest rates", "url": "https://www.legalandgeneral.com/retirement/lifetime-mortgages/interest-rates/", "retrieved_at": "2026-10-12", "reason": "read in full and no accepted figure on the page" } ], "sources": [ { "url": "https://www.royallondon.com/retirement-planning/releasing-equity/equity-release/", "label": "Royal London - equity release, what it is and how it works", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://equityrelease.royallondon.com/", "label": "Royal London Equity Release - the lender", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://adviser.royallondon.com/equity-release/", "label": "Royal London for advisers - equity release", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.justadviser.com/products/lifetime-mortgages/Just-For-You-Lifetime-Mortgage/", "label": "Just - Just For You Lifetime Mortgage", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.justadviser.com/products/lifetime-mortgages/Just-For-You-Lifetime-Mortgage/lifetime-mortgage-at-a-glance/", "label": "Just - Just For You Lifetime Mortgage at a glance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.canadalife.co.uk/home-finance/lifetime-mortgages/", "label": "Canada Life - lifetime mortgages", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.canadalife.co.uk/home-finance/what-is-equity-release/", "label": "Canada Life - what is equity release", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.more2life.co.uk/customer/new-customer/our-lifetime-mortgages", "label": "more2life - our lifetime mortgages", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://pureretirement.co.uk/professionals/lifetime-mortgages", "label": "Pure Retirement - lifetime mortgages", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.lvadviser.com/equity-release/lifetime-mortgages", "label": "LV= for advisers - lifetime mortgages", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.standardlife.co.uk/about/press-releases/standard-life-launches-flexible-new-lifetime-mortgage-product", "label": "Standard Life - launch of the Horizon lifetime mortgage range", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.aviva.co.uk/retirement/equity-release/equity-release-calculator/", "label": "Aviva - equity release calculator", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.keyadvice.co.uk/equity-release/interest-rates", "label": "Key - equity release interest rates", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.nationwide.co.uk/media/news/nationwide-opens-up-later-life-mortgage-lending-as-it-boosts-access-to-all-older-borrowers", "label": "Nationwide - later life mortgage lending", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.equityreleasecouncil.com/news_type/market-research-data/", "label": "Equity Release Council - market research and data", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.equityreleasecouncil.com/", "label": "Equity Release Council - the standards", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://handbook.fca.org.uk/handbook/mcob9", "label": "FCA Handbook - MCOB 9, equity release product disclosure", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.moneyrelease.co.uk/Equity-Release/Interest-Rates/", "label": "Money Release - equity release interest rates by lender", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.equityreleasewarehouse.com/live-equity-release-interest-rates/", "label": "Equity Release Warehouse - live equity release interest rates", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.over50choices.co.uk/equity-release/compare", "label": "Over50Choices - compare equity release interest rates", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.legalandgeneral.com/retirement/lifetime-mortgages/interest-rates/", "label": "Legal & General - lifetime mortgage interest rates", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.lv.com/equity-release/lump-sum", "label": "LV= - lifetime mortgage lump sum", "license": "the publisher's own terms; quoted for reporting and comment" } ], "methodology": "Every row is a verbatim sentence read from the named source's own page through our fetch service on the date shown, hash-pinned to the stored read (the sha of the page's visible text; the raw page is mirrored to R2). 3 of the 21 named sources that could be read published a usable figure; 18 published none and are recorded as not published, never filled in; 1 could not be read (blocked, dead or unreachable) and count nowhere. The headline figures (median, minimum, maximum, quartiles) are over ONE figure per source for each breakdown it prices, in GBP (a source's median where its page yielded several accepted sentences for one breakdown), so a page that gives figures for several breakdowns gives one for each and N counts 5 figures, never sentences; 93 candidate sentence(s) were refused by a reviewer with the reason recorded. The fuller derivation this dataset is chartered to grow into (not yet what the figures above are; they are each source's own published figure as read): one row per lender per product of the published rate (both the monthly equivalent and the annual equivalent, because lenders quote different ones and the two are not comparable), the maximum loan-to-value by age, the early-repayment-charge structure and the voluntary-repayment allowance, joined to the Equity Release Council's standards the product does or does not meet. The DERIVATION is the number the buyer cannot get anywhere and which the phrase 'equity release horror stories' is actually asking for: the ROLL-UP - what £100,000 released at each lender's current rate becomes after 10, 15, 20 and 25 years, against the property's value on a range of house-price assumptions, and the share of the estate that leaves. Beside it, the market series from the Council: total lending and average advertised rate by quarter.", "embed": "

10,000 to 126,422 GBP

5 published figures, Equity Release Rate Index, across 3 sources, read 12 October 2026

Source: Corp Tax Calculator Equity Release Rate Index
" }