Equity release cost league table

Name: Equity release cost league table
Creator: Richard Parker

This is the comparison that is rarely put side by side: how much a £50,000 release actually grows to when the interest rolls up and nothing is repaid. We hold the amount released constant and vary only the interest rate, so you can see clearly how much the rate you are offered changes the long-run cost. It is an honesty ranking, not a recommendation.

Rates are typical published ranges, not lender quotes. The rates below (6.00%, 6.90%, 7.75%) represent a typical published lifetime mortgage range as at June 2026, not a specific lender or product. Your own rate depends on your age, property, the amount released and the plan chosen. No voluntary repayments are assumed and interest compounds annually. These are illustrations of compounding, not offers or forecasts.

Rolled-up balance on a £50,000 release by rate and term
Rate (typical range)	After 5 years	After 10 years	After 15 years	After 20 years
6.00%	£66,911	£89,542	£119,828	£160,357
6.90%	£69,800	£97,442	£136,030	£189,900
7.75%	£72,620	£105,473	£153,190	£222,493

Source: £50,000 released, compound roll-up, no repayments. Rates are typical published ranges, not lender-specific. June 2026

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| Rate (typical range) | After 5 years | After 10 years | After 15 years | After 20 years |
| --- | --- | --- | --- | --- |
| 6.00% | £66,911 | £89,542 | £119,828 | £160,357 |
| 6.90% | £69,800 | £97,442 | £136,030 | £189,900 |
| 7.75% | £72,620 | £105,473 | £153,190 | £222,493 |

Source: £50,000 released, compound roll-up, no repayments. Rates are typical published ranges, not lender-specific. June 2026

Why the rate matters so much. On the same £50,000 release left to roll up for 20 years, the gap between the lowest and highest rate shown here is about £62,136. That difference is the single strongest argument for shopping the rate and taking advice, rather than accepting the first plan offered.

How this is measured

Each figure is the amount released grown at the stated annual rate over the stated number of years, with interest compounding once a year and no voluntary repayments. This mirrors how a lifetime mortgage balance accrues when nothing is paid month to month. Only the rate is varied so the effect of pricing is isolated.

Sources to confirm: published lifetime mortgage rate ranges from provider product sheets and market rate trackers for the rate band shown. The rates are stated as typical published ranges and are not tied to any named lender or product. Actual costs depend on the real rate offered, any repayments made and the length of the plan. Figures reviewed and to be signed off by Richard Parker, June 2026.