Can I Get Equity Release at 75?
At 75, lifetime mortgages are widely available and the LTV a lender will offer is notably higher than at younger ages. It is a very common application age. Here is what is typically available and what considerations are particularly relevant at this stage of life.
Yes — widely available and commonly used at 75. Typical LTV is 40–45%. On a £300,000 property, up to around £135,000 may be available.
A well-served application age
Lenders across the market have extensive experience serving customers aged 75 and above. All main lifetime mortgage products remain available, including lump sum, drawdown, and interest-paying variants. There are no specific restrictions that apply at 75 that do not apply at other ages — no maximum age cap, no additional health requirements beyond the usual enhanced plan assessment.
The main change at 75 compared to 70 is simply the higher LTV — 40–45% compared to 35–40% — reflecting the shorter expected loan duration and the reduced compound interest exposure for the lender.
How much can you borrow at 75?
On a property valued at £300,000, a 40–45% LTV range translates to a maximum of approximately £120,000–£135,000. This is meaningfully higher than at 70 and significantly more than the amounts available at 55 or 60.
Enhanced plans may push the LTV higher if qualifying health or lifestyle factors apply. It is always worth discussing any health conditions with an adviser before assuming the standard LTV is the best available figure for your circumstances.
To see how a loan of any size would compound over time, use the equity release calculator.
Care considerations at 75
When considering equity release at 75, it is sensible to think about potential future care needs. Entry into permanent residential or nursing care is one of the two main triggers for repayment of a lifetime mortgage (the other being death). If there is any likelihood of residential care being needed within a reasonably short timeframe, this is worth factoring into the planning.
This does not mean equity release is unsuitable — it means the timing, the loan amount, and whether drawdown or lump sum is more appropriate are all worth careful consideration. For more detail on the care interaction, see What happens if I go into care?
Enhanced plans at 75
Enhanced lifetime mortgages — which offer higher LTV amounts for applicants with qualifying health conditions — are increasingly relevant at 75. Many people in this age group have one or more conditions that could qualify, including type 2 diabetes, cardiovascular disease, COPD, a history of cancer, or other chronic conditions.
The health questionnaire that lenders use is broad. Even factors such as a regular prescription medication or a past surgical procedure can qualify an applicant for enhanced terms. Asking an adviser to check enhanced eligibility as part of the advice process is straightforward and costs nothing extra. See What is an enhanced lifetime mortgage?
Reviewed by Chris, CII-qualified equity release specialist · Last reviewed July 2026
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