Do you want to know how much your house is worth?

Since you bought your home in the '80s for £20,000, or in Y2K¹ for £90,000, how often have you hired a surveyor to evaluate your home?*

*This is for indicative purposes only.

While property value can be estimated based on recent sales in your area, every home is unique and needs a top-to-bottom valuation.

With property prices rising annually² up until 2022, you could be missing out on favourable market conditions.

How Have Property Prices Risen Since Oct 2025

Whilst purchasing a property has never been a cheap exercise in Britain, prices have substantially increased in the last forty years.³

In the mid-'80s, buying a house cost an average of £29,143, with 1988 bringing the biggest ever recorded increase of 25%.⁴

However, the biggest jump came between the years 1995 and 2005.

In 1995, the average home set the consumer back by £59,939. In just ten years, the average price shot up to £156,236.

Since then, property values have steadily risen, with your average home costing £250,772.

Even though property prices started to fall towards the end of 2022⁵, and are predicted to continue to do so into 2025, they are still relatively high when compared to historical statistics.

In other words, if you have not had a recent property valuation, your home could be worth a lot more than you think.

What the Equity Release Council Has to Say

According to a report released by the Equity Release Council, the average homeowner in the UK that is over-55 generally underestimates their property wealth by £90,000.

Furthermore, some homeowners have not had a property valuation since the purchase of their property.

Discover Your Property Value

If you are 55 or older and are nearing retirement, knowing your property value is an essential part of retirement planning.

Whether you are writing your will, planning retirement finances, or determining the overall value of your estate, a professional valuation is a key tool during this process.

To arrange a valuation, you can contact your bank or a retirement specialist firm that will refer you to a surveyor in your area.

Alternatively, you can search online to find someone local and reputable.

If you want an estimate of how much equity can you release from your home, you can also try an equity release for the UK calculator.

You could also contact your financial advisor to guide you through your financial options in retirement, including equity release.

You May Have Access to Unexpected Cash with Equity Release

Some equity release lenders offer free property valuations, so if you decide to release equity, you are in luck.

You are likely no stranger to equity release.

This local retirement product allows homeowners above 55 to access the majority of their property value, typically up to 65%, while remaining in the home for life.

The loan and compound interest⁶ are only expected to be repaid when the last homeowner passes away or enters long-term care.

If your property value is up to £90,000 more than you thought, you could have access to some unexpected funds.

Common Questions

In Conclusion

Whilst equity release is one way of funding retirement, there are other options to consider.

Your financial advisor will talk you through all your options, helping you to find the best retirement products to suit your needs.

If you are not ready to consider equity release but do not know your property's current value, get in touch with a local surveyor to discover how much your house is worth.