Equity Release

Equity Release Deals for Jan 2022

Compare the Equity Release Mortgage Rates & Find a GREAT Deal

John Lawson
Written by John Lawson
Last Updated 11 Jan 2022
(Rated from 1967 reviews)

Contributors: Nicola Date, Katherine Read & Edited by Rachel Wait. Reviewed by Francis Hui

Compare the Whole Market & Discover the Top Lifetime Mortgage Deals for 2021. Find the PERFECT Plan for You With Our Easy to Use Comparison Table.

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What’s Equity Release?

Equity release is a group of later-life mortgages that allows you, if you’re 55 or older, to unlock tax-free cash that’s tied into your property. The loan, plus interest, is then repaid from the sale of your house when you eventually pass away or move to long-term care.

Learn More: UK Equity Release Explained

Compare Equity Release Interest Rates & Deals in Jan 2022

Before you begin make sure you know the current equity release rates in 2021 in the UK.

  • To find a good equity release deal in Jan 2022, you'll need to compare interest rates and offers.
  • We have reviewed 690 equity release schemes & are the largest source of equity scheme information on the internet.
  • Luckily, we're here to help! Take a look at what's on offer:
Provider Product Name Type Interest Rate The interest rate is the cost of borrowing the principal. APR The APR includes not only the interest expense on the loan but also all fees and other costs involved in procuring the loan. Incentive
Aviva Aviva Aviva Lifestyle Lump Sum Max Fixed 4.03% 4.1% Learn More
Canada Life Canada Life Canada Life Capital Select Gold Fixed 4.02% 4.17% Learn More
Just Just Just Just For You Lifetime Mortgage Fixed 3.39% 3.4% Learn More
LV LV LV Lump Sum+ 1% Cashback (Fee-Free) Fixed 2.73% 3.1% Learn More
More 2 Life More 2 Life More 2 Life Capital Choice Fixed 3.23% 3.35% Learn More
One Family One Family One Family Lump Sum Lite Fixed 4.34% 4.6% Learn More
Pure Retirement Pure Retirement Pure Retirement Classic Elite Super Lite Fixed 2.77% 2.83% Learn More
Scottish Widows Scottish Widows Scottish Widows Lifetime Mortgage LS1 Fixed 3.03% 3.1% Learn More
Age Partnership Age Partnership Age Partnership Gold Lump Sum Fixed 3.42% 3.47% Learn More
Just Retirement Just Retirement Just Capital Select Platinum Fixed 4.69% 4.79% Learn More
Aviva Aviva Aviva Lifestyle Lump Sum Max - Cashback £1000 Fixed 4.29% 4.3% Learn More
Canada Life Canada Life Canada Life Capital Select Lite Fixed 3.73% 3.87% Learn More
LV LV LV Lump Sum+ Lite Fixed 3.03% 3.2% Learn More
More 2 Life More 2 Life More 2 Life Capital Choice Lite Fixed 3.3% 3.42% Learn More
One Family One Family One Family Lump Sum Lite Variable 2.8% 3% Learn More
Pure Retirement Pure Retirement Pure Retirement Classic Lump Sum Lite Fixed 2.91% 3.04% Learn More
Scottish Widows Scottish Widows Scottish Widows Lifetime Mortgage LS2 Fixed 3.09% 3.1% Learn More
Age Partnership Age Partnership Age Partnership Gold Plus Lump Sum Fixed 4.09% 4.17% Learn More
Just Retirement Just Retirement Just J1 Lump Sum (2% Cashback) Fixed 3.24% 3.29% Learn More
Aviva Aviva Aviva Lifestyle Lump Sum Max - Cashback £500 Fixed 4.19% 4.2% Learn More
Canada Life Canada Life Canada Life Capital Select Platinum Plus Fixed 6.02% 6.27% Learn More
LV LV LV Lump Sum+ Lite 1% Cashback (Fee Free) Fixed 3.03% 3% Learn More
More 2 Life More 2 Life More 2 Life Capital Choice Plus Fixed 3.29% 3.41% Learn More
One Family One Family One Family Lump Sum Standard Fixed 3.2% 3.4% Learn More
Pure Retirement Pure Retirement Pure Retirement Classic Lump Sum Super Lite Fixed 2.76% 2.9% Learn More
Scottish Widows Scottish Widows Scottish Widows Lifetime Mortgage LS3 Fixed 3.16% 3.2% Learn More
Age Partnership Age Partnership Age Partnership Lite Cashback Fixed 3.28% 3.33% Learn More
Just Retirement Just Retirement Just J1 Lump Sum (5% Cashback) Fixed 3.54% 3.6% Learn More
Canada Life Canada Life Canada Life Capital Select Super Lite Fixed 3.44% 3.57% Learn More
LV LV LV Lump Sum+ (Fee Free) Fixed 2.87% 3.1% Learn More
More 2 Life More 2 Life More 2 Life Capital Choice Super Lite Fixed 2.99% 3.1% Learn More
One Family One Family One Family Lump Sum Standard Variable 3.2% 3.4% Learn More
Pure Retirement Pure Retirement Pure Retirement Classic Lump Sum Supreme Fixed 3.93% 4.05% Learn More
Scottish Widows Scottish Widows Scottish Widows Lifetime Mortgage LS4 Fixed 3.26% 3.3% Learn More
Age Partnership Age Partnership Age Partnership Gold Cashback Fixed 3.72% 3.78% Learn More
Just Retirement Just Retirement Just J1 Lump Sum Fixed 3.04% 3.08% Learn More
Canada Life Canada Life Canada Life Lifestyle Gold Fixed 3.05% 3.2% Learn More
More 2 Life More 2 Life More 2 Life Capital Choice Ultra Lite Fixed 2.85% 2.9% Learn More
One Family One Family One Family Super LTV Fixed 6.29% 6.7% Learn More
Pure Retirement Pure Retirement Pure Retirement Classic Lump Sum Supreme Plus Fixed 4.3% 4.43% Learn More
Scottish Widows Scottish Widows Scottish Widows Lifetime Mortgage LS5 Fixed 3.4% 3.5% Learn More
Age Partnership Age Partnership Age Partnership Platinum Lump Sum Fixed 4.67% 4.77% Learn More
Just Retirement Just Retirement Just J2 Lump Sum (4% Cashback) Fixed 3.45% 3.51% Learn More
Canada Life Canada Life Canada Life Lifestyle Lite Fixed 2.92% 3.07% Learn More
More 2 Life More 2 Life More 2 Life Flexi Choice Premier Lite Fixed 2.92% 3.02% Learn More
Pure Retirement Pure Retirement Pure Retirement Sovereign Lump Sum Fixed 2.75% 2.94% Learn More
Scottish Widows Scottish Widows Scottish Widows Lifetime Mortgage LS6 Fixed 3.65% 3.7% Learn More
Age Partnership Age Partnership Age Partnership Gold Plus Cashback Fixed 4.39% 4.48% Learn More
Just Retirement Just Retirement Just J2 Lump Sum (5% Cashback) Fixed 3.55% 3.61% Learn More
Canada Life Canada Life Canada Life Lifestyle Platinum 3% Cashback Fixed 6.67% 6.9% Learn More
More 2 Life More 2 Life More 2 Life Flexi Choice Premier Super Lite Fixed 2.77% 2.87% Learn More
Pure Retirement Pure Retirement Pure Retirement Classic Elite Lump Sum Super Lite Plus 1 Fixed 2.38% 2.41% Learn More
Age Partnership Age Partnership Age Partnership Superlite Lump Sum Fixed 2.74% 2.77% Learn More
Just Retirement Just Retirement Just J2 Lump Sum (2% Cashback) Fixed 3.25% 3.3% Learn More
Canada Life Canada Life Canada Life Prestige Options Fixed 5.17% 5.3% Learn More
More 2 Life More 2 Life More 2 Life Prime Choice Fixed 4.68% 4.85% Learn More
Pure Retirement Pure Retirement Pure Retirement Classic Elite Lump Sum Lite 2 Fixed 2.49% 2.52% Learn More
Age Partnership Age Partnership Age Partnership Superlite Cashback Fixed 3.04% 3.08% Learn More
Just Retirement Just Retirement Just J2 Lump Sum Fixed 3.05% 3.1% Learn More
Canada Life Canada Life Canada Life Capital Select Gold (3% Cashback) Fixed 4.03% 4.11% Learn More
More 2 Life More 2 Life More 2 Life Prime Max Fixed 6.64% 6.92% Learn More
Pure Retirement Pure Retirement Pure Retirement Classic Elite Lump Sum Lite 1 Fixed 2.51% 2.54% Learn More
Age Partnership Age Partnership Age Partnership Platinum Plus Fixed 5.64% 5.79% Learn More
Just Retirement Just Retirement Just J2.5 Lump Sum 5% Cashback Fixed 3.9% 3.97% Learn More
Canada Life Canada Life Canada Life Capital Select Lite (3% Cashback) Fixed 3.54% 3.6% Learn More
More 2 Life More 2 Life More 2 Life Tailored Enhanced Fixed 5.7% 6% Learn More
Pure Retirement Pure Retirement Pure Retirement Classic Elite Lump Sum Super Lite Plus 2 Fixed 2.36% 2.39% Learn More
Age Partnership Age Partnership Age Partnership Lite Lump Sum Fixed 2.98% 3.02% Learn More
Just Retirement Just Retirement Just J2.5 Lump Sum 2% Cashback Fixed 3.6% 3.66% Learn More
Canada Life Canada Life Canada Life Lifestyle Gold Plus Fixed 4.41% 4.5% Learn More
More 2 Life More 2 Life More 2 Life Capital Choice Plan (Cashback) Fixed 3.45% 3.51% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Freedom 40 Lump Sum Plus (DTV) Fixed 4.07% 4.15% Learn More
Age Partnership Age Partnership Age Partnership Platinum Plus (3% Cashback) Fixed 5.94% 6.1% Learn More
Just Retirement Just Retirement Just J2.5 Lump Sum Fixed 3.4% 3.45% Learn More
Canada Life Canada Life Canada Life Capital Select Super Lite (3% Cashback) Fixed 3.25% 3.3% Learn More
More 2 Life More 2 Life More 2 Life Capital Choice Plus Plan (Cashback) Fixed 4.65% 4.75% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Fixed 3.67% 3.73% Learn More
Age Partnership Age Partnership Age Partnership Platinum Cashback Fixed 4.97% 5.08% Learn More
Just Retirement Just Retirement Just J3 Lump Sum (5% Cashback) Fixed 4.45% 4.54% Learn More
Canada Life Canada Life Canada Life Capital Select Platinum Plus (3% Cashback) Fixed 6.13% 6.31% Learn More
More 2 Life More 2 Life More 2 Life Maximum Choice Lump Sum Fixed 4.27% 4.35% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Freedom 40 Lump Sum Max Plus Fixed 4.49% 4.58% Learn More
Just Retirement Just Retirement Just J3 Lump Sum (4% Cashback) Fixed 4.35% 4.44% Learn More
Canada Life Canada Life Canada Life Capital Select Platinum (3% Cashback) Fixed 4.99% 5.11% Learn More
More 2 Life More 2 Life More 2 Life Maximum Choice Plus Lump Sum Fixed 4.53% 4.63% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Freedom 40 Lump Sum Max Plus (DTV) Fixed 4.49% 4.58% Learn More
Just Retirement Just Retirement Just J3 Lump Sum (2% Cashback) Fixed 4.14% 4.22% Learn More
Canada Life Canada Life Canada Life Capital Select Gold Plus (3% Cashback) Fixed 4.6% 4.7% Learn More
More 2 Life More 2 Life More 2 Life Prime Choice Plus 3% Cashback Fixed 6.31% 6.5% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Freedom 40 Lump Sum Midi (DTV) Fixed 4% 4.07% Learn More
Just Retirement Just Retirement Just J3 Lump Sum Fixed 3.95% 4.02% Learn More
More 2 Life More 2 Life More 2 Life Prime Choice Plus Fixed 5.37% 5.5% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Freedom 40 Lump Sum Max (DTV) Fixed 4.21% 4.29% Learn More
Just Retirement Just Retirement Just J4 Lump Sum (5% Cashback) Fixed 5.17% 5.29% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Freedom 40 Lump Sum (DTV) Fixed 3.97% 4.04% Learn More
Just Retirement Just Retirement Just J4 Lump Sum (2% Cashback) Fixed 4.87% 4.98% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Max Fixed ERCs (Fees Package) (DTV) Fixed 4.16% 4.24% Learn More
Just Retirement Just Retirement Just J4 Lump Sum Fixed 4.67% 4.77% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum (Fees Package) (DTV) Fixed 3.87% 3.94% Learn More
Just Retirement Just Retirement Just J6 Lump Sum 5% Cashback Fixed 5.81% 5.97% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Max (DTV) Fixed 3.91% 3.98% Learn More
Just Retirement Just Retirement Just J6 Lump Sum 4% Cashback Fixed 5.71% 5.86% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Max (Fees Package) Fixed 4.11% 4.19% Learn More
Just Retirement Just Retirement Just J6 Lump Sum 3% Cashback Fixed 5.61% 5.76% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Max (Fees Package) (DTV) Fixed 4.11% 4.19% Learn More
Just Retirement Just Retirement Just J6 Lump Sum 2% Cashback Fixed 5.51% 5.65% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Max Fixed ERCs Fixed 3.96% 4.03% Learn More
Just Retirement Just Retirement Just J6 Lump Sum 1% Cashback Fixed 5.41% 5.55% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Max Fixed ERCs (DTV) Fixed 3.96% 4.03% Learn More
Just Retirement Just Retirement Just J6 Lump Sum Fixed 5.31% 5.44% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Max Fixed ERCs (Fees Package) Fixed 4.16% 4.24% Learn More
Just Retirement Just Retirement Just J5 Lump Sum (Enhanced) Fixed 5.94% 6.1% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Max Plus (Fees Package) (DTV) Fixed 4.39% 4.48% Learn More
Just Retirement Just Retirement Just J5 Lump Sum (5% Cashback) (Enhanced) Fixed 6.44% 6.63% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Max Plus (DTV) Fixed 4.19% 4.27% Learn More
Just Retirement Just Retirement Just J5 Lump Sum (3% Cashback) (Enhanced) Fixed 6.24% 6.42% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Max Plus Fixed 4.19% 4.27% Learn More
Just Retirement Just Retirement Just J5 Lump Sum (2% Cashback) (Enhanced) Fixed 6.14% 6.32% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Max Plus (Fees Package) Fixed 4.39% 4.48% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Max Plus Fixed ERCs Fixed 4.24% 4.32% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Fixed ERCs (Fees Package) (DTV) Fixed 3.92% 3.99% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Max Fixed 3.91% 3.98% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Fixed ERCs (DTV) Fixed 3.72% 3.78% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Fixed ERCs (Fees Package) Fixed 3.92% 3.99% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Fixed ERCs Fixed 3.72% 3.78% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum (Fees Package) Fixed 3.87% 3.94% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum (DTV) Fixed 3.67% 3.73% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Plus Fixed ERCs (DTV) Fixed 3.82% 3.89% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Midi Fixed ERCs (Fees Package) (DTV) Fixed 3.95% 4.02% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Plus Fixed ERCs (Fees Package) (DTV) Fixed 4.02% 4.09% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Midi Fixed ERCs (Fees Package) Fixed 3.95% 4.02% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Plus Fixed ERCs Fixed 3.82% 3.89% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Plus Fixed ERCs (Fees Package) Fixed 4.02% 4.09% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Max Plus Fixed ERCs (Fees Package) (DTV) Fixed 4.44% 4.53% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Midi Fixed 3.7% 3.76% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Midi (Fees Package) Fixed 3.9% 3.97% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Midi (DTV) Fixed 3.7% 3.76% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Midi (Fees Package) (DTV) Fixed 3.9% 3.97% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Midi Fixed ERCs (DTV) Fixed 3.75% 3.82% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Midi Fixed ERCs Fixed 3.75% 3.82% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Plus (Fees Package) Fixed 3.97% 4.04% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Plus (Fees Package) (DTV) Fixed 3.97% 4.04% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Plus Fixed 3.77% 3.84% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Plus (DTV) Fixed 3.77% 3.84% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Max Plus Fixed ERCs (Fees Package) Fixed 4.44% 4.53% Learn More
Pure Retirement Pure Retirement Pure Retirement Heritage Lump Sum Max Plus Fixed ERCs (DTV) Fixed 4.24% 4.32% Learn More
Pure Retirement Pure Retirement Pure Retirement Sovereign Elite Lump Sum A Fixed 2.84% 2.88% Learn More
Pure Retirement Pure Retirement Pure Retirement Sovereign Elite Lump Sum B Fixed 2.86% 2.9% Learn More
Pure Retirement Pure Retirement Pure Retirement Sovereign Elite Lump Sum C Fixed 3.06% 3.1% Learn More
Pure Retirement Pure Retirement Pure Retirement Sovereign Lump Sum A (Fees Package) Fixed 2.64% 2.67% Learn More
Pure Retirement Pure Retirement Pure Retirement Sovereign Lump Sum B Fixed 2.36% 2.39% Learn More
Pure Retirement Pure Retirement Pure Retirement Sovereign Lump Sum B (Fees Package) Fixed 2.66% 2.69% Learn More
Pure Retirement Pure Retirement Pure Retirement Sovereign Lump Sum C Fixed 2.56% 2.59% Learn More
Pure Retirement Pure Retirement Pure Retirement Sovereign Lump Sum C (Fees Package) Fixed 2.86% 2.9% Learn More
Pure Retirement Pure Retirement Pure Retirement Sovereign Lump Sum D Fixed 4.31% 4.4% Learn More
Pure Retirement Pure Retirement Pure Retirement Sovereign Lump Sum D (Fees Package) Fixed 4.61% 4.71% Learn More
Pure Retirement Pure Retirement Pure Retirement Sovereign Lump Sum E Fixed 5.03% 5.15% Learn More
Pure Retirement Pure Retirement Pure Retirement Sovereign Lump Sum E (Fees Package) Fixed 5.33% 5.46% Learn More
Pure Retirement Pure Retirement Pure Retirement Sovereign Lump Sum F Fixed 5.52% 5.66% Learn More
Pure Retirement Pure Retirement Pure Retirement Sovereign Lump Sum F (Fees Package) Fixed 5.82% 5.98% Learn More

Got Questions? Check These First

What Company Has the Best Equity Release Scheme?

How Can I Compare Equity Release Schemes?

Editorial Note: This content has been independently collected by the SovereignBoss advisor team and is offered on a non-advised basis. Sovereignboss may earn a commission on sales made from partner links on this page, but that doesn’t affect our editors’ opinions or evaluations. Learn more about our editorial guidelines.

HOW MUCH EQUITY CAN YOU RELEASE?

Most people are using equity release as a means of retaining the use of their house while also obtaining a lump sum or a steady stream of income. Get matched with an expert and check your eligibility for equity release options.

Use our free equity release calculator & see how much you can release today.

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How Much Can You Release?

Use the FREE Calculator Below 👇

 

Equity Release Calculator

Value of Your Home?

50000

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🔒 100% Secure & Fast. Takes Just 8 Seconds.

As Featured In
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rachel w

Rachel Wait
Personal Finance Journalist

Rachel is an experienced finance journalist and editor with a particular interest in personal finance and consumer affairs. She has vast experience writing about money issues, property, insurance, and consumer affairs, and you’ll find her articles regularly featured in top media and newspaper publications.
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john lawson profile.jpg

Written by
John Lawson
Founder SovereignBoss

John is passionate about education and has made it his life-long mission to assist UK citizens on their future financial options, with a specialist interest in equity release, and SovereignBoss is the natural extension of this passion.
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francis

Reviewed by
Francis Hui
Senior Risk Manager

Having held various high-level roles across the industry, Francis is truly an expert in aiding UK citizens in their financial decisions and risk analysis. His unique insight and statistical knowledge make him the perfect person to help you take your financial future to the next level.
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Katherine Read
Consumer Affairs Writer

Since joining the editorial team at SovereignBoss, Katherine has become focused on bringing transparency to finances and opportunities for those approaching retirement age. She writes on the topics of equity release, home reversion, and mortgages.
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nicola

Nicola Date
Writer & Journalist

Nicola is a financial writer for SovereignBoss and is passionate about the opportunities that equity release can open up for homeowners. Her extensive business experience and deep understanding of the industry means that she’s always up-to-date with the latest developments.
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See How Much You Can Release 👇

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Equity Release Calculator

Value of Your Home?

50000

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🔒 100% Secure & Fast. Takes Just 8 Seconds.

As Featured In
yahoofinance marketwatch