# Equity release comparison: Equity Release Rate Index

> 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.

Corp Tax Calculator · https://corptaxcalculator.co.uk/datasets/equity-release-rate-index/ · computed 2026-10-21

**Range of the published figures:** 10,000 to 126,422 GBP (range 10,000 to 126,422 GBP; 5 published figures; 3 of 21 sources read publish one).

3 of the 21 named sources read in full publish a figure; 18 publish none, read 12 October 2026.

## By lender and time

| Breakdown | Median | Range | Sources |
|---|---|---|---|
| lender Aviva, minimum property value | 75,000 GBP | 75,000 to 75,000 GBP | 1 |
| lender Just, minimum initial advance | 10,000 GBP | 10,000 to 10,000 GBP | 1 |
| lender Just, voluntary repayment allowance | 100 % | 100 to 100 % | 1 |
| lender Just, voluntary repayment allowance (ad hoc, % of each advance per 12 months) | 10 % | 10 to 10 % | 1 |
| lender Equity Release Council, average new lump sum loan | 126,422 GBP | 126,422 to 126,422 GBP | 1 |
| lender Equity Release Council, average new initial drawdown | 65,856 GBP | 65,856 to 65,856 GBP | 1 |
| lender Equity Release Council, average new drawdown reserve facility | 53,338 GBP | 53,338 to 53,338 GBP | 1 |
| time Q2 2025, lender=Equity Release Council, average APR | 7.24 % | 7.24 to 7.24 % | 1 |
| time Q2 2024, lender=Equity Release Council, average APR | 6.64 % | 6.64 to 6.64 % | 1 |

## Every figure, with its source

One row per source: the figure the source's own page publishes, the page, and the day it was read.

| Source | Figure | Breakdown | Read |
|---|---|---|---|
| [Equity Release Council - market research and data](https://www.equityreleasecouncil.com/news_type/market-research-data/) | 126,422 GBP | Equity Release Council, average new lump sum loan | 2026-10-12 |
| [Aviva - equity release calculator](https://www.aviva.co.uk/retirement/equity-release/equity-release-calculator/) | 75,000 GBP | Aviva, minimum property value | 2026-10-12 |
| [Equity Release Council - market research and data](https://www.equityreleasecouncil.com/news_type/market-research-data/) | 65,856 GBP | Equity Release Council, average new initial drawdown | 2026-10-12 |
| [Equity Release Council - market research and data](https://www.equityreleasecouncil.com/news_type/market-research-data/) | 53,338 GBP | Equity Release Council, average new drawdown reserve facility | 2026-10-12 |
| [Just - Just For You Lifetime Mortgage at a glance](https://www.justadviser.com/products/lifetime-mortgages/Just-For-You-Lifetime-Mortgage/lifetime-mortgage-at-a-glance/) | 10,000 GBP | Just, minimum initial advance | 2026-10-12 |
| [Just - Just For You Lifetime Mortgage at a glance](https://www.justadviser.com/products/lifetime-mortgages/Just-For-You-Lifetime-Mortgage/lifetime-mortgage-at-a-glance/) | 100 % | Just, voluntary repayment allowance | 2026-10-12 |
| [Just - Just For You Lifetime Mortgage at a glance](https://www.justadviser.com/products/lifetime-mortgages/Just-For-You-Lifetime-Mortgage/lifetime-mortgage-at-a-glance/) | 10 % | Just, voluntary repayment allowance (ad hoc, % of each advance per 12 months) | 2026-10-12 |
| [Equity Release Council - market research and data](https://www.equityreleasecouncil.com/news_type/market-research-data/) | 7.24 % | Q2 2025, lender=Equity Release Council, average APR | 2026-10-12 |
| [Equity Release Council - market research and data](https://www.equityreleasecouncil.com/news_type/market-research-data/) | 6.64 % | Q2 2024, lender=Equity Release Council, average APR | 2026-10-12 |

## The sentence each figure was read from (9)

- [Equity Release Council - market research and data](https://www.equityreleasecouncil.com/news_type/market-research-data/), read 2026-10-12: "Average loan sizes Quarterly change Annual change New lump sum £126,422 -1% +14%"
- [Aviva - equity release calculator](https://www.aviva.co.uk/retirement/equity-release/equity-release-calculator/), read 2026-10-12: "Tell us about your property You need to own a home worth over £75,000."
- [Equity Release Council - market research and data](https://www.equityreleasecouncil.com/news_type/market-research-data/), read 2026-10-12: "New initial drawdown £65,856 -6% +1%"
- [Equity Release Council - market research and data](https://www.equityreleasecouncil.com/news_type/market-research-data/), read 2026-10-12: "New drawdown reserve facility £53,338 -13% +16%"
- [Just - Just For You Lifetime Mortgage at a glance](https://www.justadviser.com/products/lifetime-mortgages/Just-For-You-Lifetime-Mortgage/lifetime-mortgage-at-a-glance/), read 2026-10-12: "£10,000 without monthly payment option"
- [Just - Just For You Lifetime Mortgage at a glance](https://www.justadviser.com/products/lifetime-mortgages/Just-For-You-Lifetime-Mortgage/lifetime-mortgage-at-a-glance/), read 2026-10-12: "£25 to 100% of the monthly interest amount."
- [Just - Just For You Lifetime Mortgage at a glance](https://www.justadviser.com/products/lifetime-mortgages/Just-For-You-Lifetime-Mortgage/lifetime-mortgage-at-a-glance/), read 2026-10-12: "Up to 10% of each advance in each 12 month period following completion of the advance."
- [Equity Release Council - market research and data](https://www.equityreleasecouncil.com/news_type/market-research-data/), read 2026-10-12: "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."
- [Equity Release Council - market research and data](https://www.equityreleasecouncil.com/news_type/market-research-data/), read 2026-10-12: "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."

## Read in full, publishes no figure

- [Royal London - equity release, what it is and how it works](https://www.royallondon.com/retirement-planning/releasing-equity/equity-release/), read 2026-10-12: every candidate on the page was refused
- [Royal London Equity Release - the lender](https://equityrelease.royallondon.com/), read 2026-09-12: read in full and no accepted figure on the page
- [Royal London for advisers - equity release](https://adviser.royallondon.com/equity-release/), read 2026-10-12: read in full and no accepted figure on the page
- [Just - Just For You Lifetime Mortgage](https://www.justadviser.com/products/lifetime-mortgages/Just-For-You-Lifetime-Mortgage/), read 2026-09-12: every candidate on the page was refused
- [Canada Life - lifetime mortgages](https://www.canadalife.co.uk/home-finance/lifetime-mortgages/), read 2026-09-12: read in full and no accepted figure on the page
- [Canada Life - what is equity release](https://www.canadalife.co.uk/home-finance/what-is-equity-release/), read 2026-09-12: read in full and no accepted figure on the page
- [more2life - our lifetime mortgages](https://www.more2life.co.uk/customer/new-customer/our-lifetime-mortgages), read 2026-09-12: read in full and no accepted figure on the page
- [Pure Retirement - lifetime mortgages](https://pureretirement.co.uk/professionals/lifetime-mortgages), read 2026-09-12: read in full and no accepted figure on the page
- [LV= for advisers - lifetime mortgages](https://www.lvadviser.com/equity-release/lifetime-mortgages), read 2026-10-12: read in full and no accepted figure on the page
- [Standard Life - launch of the Horizon lifetime mortgage range](https://www.standardlife.co.uk/about/press-releases/standard-life-launches-flexible-new-lifetime-mortgage-product), read 2026-09-12: read in full and no accepted figure on the page
- [Key - equity release interest rates](https://www.keyadvice.co.uk/equity-release/interest-rates), read 2026-10-12: every candidate on the page was refused
- [Nationwide - later life mortgage lending](https://www.nationwide.co.uk/media/news/nationwide-opens-up-later-life-mortgage-lending-as-it-boosts-access-to-all-older-borrowers), read 2026-10-12: every candidate on the page was refused
- [Equity Release Council - the standards](https://www.equityreleasecouncil.com/), read 2026-10-12: read in full and no accepted figure on the page
- [FCA Handbook - MCOB 9, equity release product disclosure](https://handbook.fca.org.uk/handbook/mcob9), read 2026-10-12: every candidate on the page was refused
- [Money Release - equity release interest rates by lender](https://www.moneyrelease.co.uk/Equity-Release/Interest-Rates/), read 2026-10-12: every candidate on the page was refused
- [Equity Release Warehouse - live equity release interest rates](https://www.equityreleasewarehouse.com/live-equity-release-interest-rates/), read 2026-10-12: every candidate on the page was refused
- [Over50Choices - compare equity release interest rates](https://www.over50choices.co.uk/equity-release/compare), read 2026-10-12: every candidate on the page was refused
- [Legal & General - lifetime mortgage interest rates](https://www.legalandgeneral.com/retirement/lifetime-mortgages/interest-rates/), read 2026-10-12: read in full and no accepted figure on the page

## 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.

## Sources

- [Royal London - equity release, what it is and how it works](https://www.royallondon.com/retirement-planning/releasing-equity/equity-release/) (the publisher's own terms; quoted for reporting and comment)
- [Royal London Equity Release - the lender](https://equityrelease.royallondon.com/) (the publisher's own terms; quoted for reporting and comment)
- [Royal London for advisers - equity release](https://adviser.royallondon.com/equity-release/) (the publisher's own terms; quoted for reporting and comment)
- [Just - Just For You Lifetime Mortgage](https://www.justadviser.com/products/lifetime-mortgages/Just-For-You-Lifetime-Mortgage/) (the publisher's own terms; quoted for reporting and comment)
- [Just - Just For You Lifetime Mortgage at a glance](https://www.justadviser.com/products/lifetime-mortgages/Just-For-You-Lifetime-Mortgage/lifetime-mortgage-at-a-glance/) (the publisher's own terms; quoted for reporting and comment)
- [Canada Life - lifetime mortgages](https://www.canadalife.co.uk/home-finance/lifetime-mortgages/) (the publisher's own terms; quoted for reporting and comment)
- [Canada Life - what is equity release](https://www.canadalife.co.uk/home-finance/what-is-equity-release/) (the publisher's own terms; quoted for reporting and comment)
- [more2life - our lifetime mortgages](https://www.more2life.co.uk/customer/new-customer/our-lifetime-mortgages) (the publisher's own terms; quoted for reporting and comment)
- [Pure Retirement - lifetime mortgages](https://pureretirement.co.uk/professionals/lifetime-mortgages) (the publisher's own terms; quoted for reporting and comment)
- [LV= for advisers - lifetime mortgages](https://www.lvadviser.com/equity-release/lifetime-mortgages) (the publisher's own terms; quoted for reporting and comment)
- [Standard Life - launch of the Horizon lifetime mortgage range](https://www.standardlife.co.uk/about/press-releases/standard-life-launches-flexible-new-lifetime-mortgage-product) (the publisher's own terms; quoted for reporting and comment)
- [Aviva - equity release calculator](https://www.aviva.co.uk/retirement/equity-release/equity-release-calculator/) (the publisher's own terms; quoted for reporting and comment)
- [Key - equity release interest rates](https://www.keyadvice.co.uk/equity-release/interest-rates) (the publisher's own terms; quoted for reporting and comment)
- [Nationwide - later life mortgage lending](https://www.nationwide.co.uk/media/news/nationwide-opens-up-later-life-mortgage-lending-as-it-boosts-access-to-all-older-borrowers) (the publisher's own terms; quoted for reporting and comment)
- [Equity Release Council - market research and data](https://www.equityreleasecouncil.com/news_type/market-research-data/) (the publisher's own terms; quoted for reporting and comment)
- [Equity Release Council - the standards](https://www.equityreleasecouncil.com/) (the publisher's own terms; quoted for reporting and comment)
- [FCA Handbook - MCOB 9, equity release product disclosure](https://handbook.fca.org.uk/handbook/mcob9) (the publisher's own terms; quoted for reporting and comment)
- [Money Release - equity release interest rates by lender](https://www.moneyrelease.co.uk/Equity-Release/Interest-Rates/) (the publisher's own terms; quoted for reporting and comment)
- [Equity Release Warehouse - live equity release interest rates](https://www.equityreleasewarehouse.com/live-equity-release-interest-rates/) (the publisher's own terms; quoted for reporting and comment)
- [Over50Choices - compare equity release interest rates](https://www.over50choices.co.uk/equity-release/compare) (the publisher's own terms; quoted for reporting and comment)
- [Legal & General - lifetime mortgage interest rates](https://www.legalandgeneral.com/retirement/lifetime-mortgages/interest-rates/) (the publisher's own terms; quoted for reporting and comment)
- [LV= - lifetime mortgage lump sum](https://www.lv.com/equity-release/lump-sum) (the publisher's own terms; quoted for reporting and comment)

## Cite or embed

- 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.

Cite as: "Corp Tax Calculator Equity Release Rate Index", updated 2026-10-21, https://corptaxcalculator.co.uk/datasets/equity-release-rate-index/.

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