Free calculator
Equity Release Calculator | Canada
Equity Release Calculator is designed to help you estimate borrowing costs, compare repayment scenarios, and sense-check property finance decisions. It works best when you want a fast, comparable estimate before you speak to a lender, provider, adviser, employer, or supplier. Use it as a planning tool rather than a final quote. This version is framed for Canada users where regional assumptions matter, so you can test a few scenarios and see how changes in the main inputs affect the outcome.
Interpretation
What your result means
Use the notes below to understand the main figures in your result and when this calculator is most useful.
When to use this calculator
- Before comparing lenders, brokers, or repayment options.
- When you want to test how a different deposit, rate, or term changes affordability.
- When you need a quick estimate before using a formal quote or agreement in principle.
Max Tax-Free Release
Review this figure alongside your gross income so you can understand the true cost of deductions.
Owed at Age 85
Use this metric to compare scenarios side by side and understand how the key drivers affect the final outcome.
Interest Rolled Up
Use this metric to compare scenarios side by side and understand how the key drivers affect the final outcome.
Method and assumptions
Next steps
What to do next
Continue with the most relevant next step based on your result.
Example
A realistic Canada planning example
A realistic example to help you understand how the numbers fit together.
Property Value ({symbol})
CA$500,000
Your Age
35
Max LTV (%)
CA$400,000
After entering these figures, compare max tax-free release, owed at age 85 and interest rolled up before deciding which scenario looks strongest.
Avoid mistakes
Common mistakes
A few things that often lead to misleading or incomplete results.
FAQ
Frequently asked questions
Helpful answers to common questions about this calculator.
How much equity can I release?
Maximum LTV for equity release typically ranges from 20–50% depending on your age. Older applicants can usually release a higher percentage.
What are the risks of equity release?
Compound interest rolls up over time and can significantly reduce the estate. Always use a FCA-regulated adviser and ensure a no-negative-equity guarantee is included in the product.
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