Equity Release Age Requirements
You must be at least 55 for equity release, but the older you are, the more you can release. We explain how age affects your options.
Equity Release Age Guide
The minimum age for equity release is 55, though most providers start at 60 or 65. Your age is the single biggest factor in determining how much you can release — older applicants can access a higher percentage of their property value.
- Age 55+ eligible for equity release
- Older applicants can release more equity
- Age-specific product comparisons
- Joint applications use younger partner's age
- free initial equity release advice
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Minimum Age Requirements
The minimum age is 55, but availability is limited. Most mainstream providers start at 60 or 65. At younger ages, the amount available is smaller.
How Age Affects the Amount
At 55-60 you might release 15-25%, at 65-70 around 25-40%, at 75-80 around 35-50%, and at 85+ potentially 50%+ of your property value.
Joint Applications
For couples, the amount is based on the younger partner's age, which can significantly reduce the release amount.
Maximum Age
Unlike standard mortgages, there's no maximum age. Plans are available to applicants in their 90s.
Equity Release Age Requirements — FAQs
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