Equity release rate history

Are equity release rates high or low by historical standards? This long-term archive places the typical lifetime mortgage rate alongside the Bank of England base rate and long dated (25 year) gilt yields over more than a decade, so you can see the trend rather than just today's number. The series below is illustrative and clearly labelled as a placeholder until it is replaced with sourced figures.

Illustrative series. The yearly figures on this page are a placeholder to show the format. They are not sourced and must not be quoted as fact. They will be replaced with sourced data: Bank of England base rate history, Bank of England and Debt Management Office gilt yields, and archived lender rate sheets (via the Wayback Machine) for the typical lifetime mortgage rate.

Typical equity release rate (illustrative) 25 year gilt yield (illustrative) Bank of England base rate (illustrative)

Illustrative equity release rate history by year (placeholder)
Year	BoE base rate	25yr gilt yield	Typical ER rate
2013	0.5%	3.4%	6.3%
2014	0.5%	3.1%	6.2%
2015	0.5%	2.5%	6%
2016	0.25%	1.8%	5.4%
2017	0.5%	1.9%	5.1%
2018	0.75%	1.9%	5%
2019	0.75%	1.3%	4.6%
2020	0.1%	0.9%	4%
2021	0.1%	1.2%	3.9%
2022	1.75%	3.4%	6.3%
2023	5%	4.5%	6.8%
2024	4.75%	4.6%	6.6%
2025	4.25%	4.8%	6.7%
2026	4%	4.4%	6.4%

Source: Illustrative only, to be replaced with Bank of England base rate + BoE/DMO gilt yields + archived lender rate sheets

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| Year | BoE base rate | 25yr gilt yield | Typical ER rate |
| --- | --- | --- | --- |
| 2013 | 0.5% | 3.4% | 6.3% |
| 2014 | 0.5% | 3.1% | 6.2% |
| 2015 | 0.5% | 2.5% | 6% |
| 2016 | 0.25% | 1.8% | 5.4% |
| 2017 | 0.5% | 1.9% | 5.1% |
| 2018 | 0.75% | 1.9% | 5% |
| 2019 | 0.75% | 1.3% | 4.6% |
| 2020 | 0.1% | 0.9% | 4% |
| 2021 | 0.1% | 1.2% | 3.9% |
| 2022 | 1.75% | 3.4% | 6.3% |
| 2023 | 5% | 4.5% | 6.8% |
| 2024 | 4.75% | 4.6% | 6.6% |
| 2025 | 4.25% | 4.8% | 6.7% |
| 2026 | 4% | 4.4% | 6.4% |

Source: Illustrative only, to be replaced with Bank of England base rate + BoE/DMO gilt yields + archived lender rate sheets

How this is measured

Three series are intended here, each from a primary source. The base rate comes from the Bank of England's official bank rate history. The gilt yield is the long dated (25 year) UK government bond yield published by the Bank of England and the Debt Management Office. The typical lifetime mortgage rate is to be reconstructed from archived lender rate sheets, captured via the Wayback Machine, since no single body publishes a long historical series of equity release rates. Until those sourced figures are entered, every number on this page is illustrative and labelled as such. Last reviewed June 2026.