Home Reversion Plan Calculator
Estimate how much you can release from your property and what share you retain.
Plan Details
Enter your property details to calculate your home reversion plan.
Plan Summary
Future Projection
Scenario Comparison
Saved Scenarios
Your saved scenarios will appear here for quick access.
Important Disclaimer
This calculator provides an estimate only and should not replace professional financial advice. The actual terms of a home reversion plan may vary based on your specific circumstances and the provider's policies.
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Home Reversion Plan Calculator – Free Online Home Reversion Plan Calculator Tool
This calculator requires the current market value of your property and either the percentage of the property you are willing to sell or the lump sum you wish to receive. The tool calculates the likely cash offer, the percentage of the property retained by the provider, and the remaining value of your home. It also estimates typical fees and offers a simple comparison to alternative equity release options. Results show totals and a clear explanation of what each figure means.
Introduction: What is Home Reversion Plan Calculator and Why It Matters
A home reversion plan is a form of equity release where a portion of the property is sold to a provider in exchange for a lump sum or regular payments while you continue to live in the property. The home reversion plan calculator helps you estimate the cash you might receive and the share of the property the provider will own. Use the calculator to make an informed first assessment before speaking with a regulated adviser or provider.
Home Reversion Plan Calculator - What It Calculates
The calculator estimates the following items. Cash offer for a chosen percentage sold. Percentage of property retained by the owner. Remaining property value after the sale. Typical fees and initial legal costs. A simple scenario comparison with alternative equity release types such as lifetime mortgages.
How to Use Home Reversion Plan Calculator
Step-by-Step Guide
1. Enter the current market value of your property. Use a recent valuation or estate agent estimate.
2. Select whether you want to specify the percentage of the property to sell or the lump sum you want to receive.
3. If you enter a percentage, the tool calculates the cash offer range based on typical market discounts for reversion plans. If you enter a lump sum, the tool computes the implied percentage of the property a provider would expect in return.
4. Add estimated fees if available. Common fees include legal costs and a provider arrangement fee.
5. Click calculate to view the results. Review the breakdown and read the notes on implications for inheritance and means-tested benefits.
Example or Screenshot Explanation
Example: Property value 300,000. You are willing to sell 30 percent. The calculator shows an estimated cash range for 30 percent, a retained owner share of 70 percent, and a note about likely legal fees. On screen you will see numeric results and short explanatory notes that define each value.
Formats and Compatibility
| Format | Supported |
|---|---|
| Manual numeric input (property value, percentage, lump sum) | Yes |
| Preset scenarios (common percentages and cost templates) | Yes |
Tips for Best Results
Use a realistic property valuation. Results change significantly with small value shifts. Specify whether the lump sum is gross or net of fees. Add legal fees to get a realistic net figure. Remember that providers apply discounts to the share sold to reflect the lifetime use of the property. Use the comparison output to check alternatives such as a lifetime mortgage.
Use Cases and Real Examples
Homeowners aged 55 or older who want a tax-free lump sum and to remain in their home. People wishing to fund care costs or remove mortgage debt. Families who want clarity on how much of the estate remains for inheritance calculations. Advisers who need a quick estimate before running full regulated quotes.
Limitations and Troubleshooting
This calculator provides estimates only. Final offers depend on provider valuation, age, health, and market conditions. The tool does not replace regulated financial advice. If numbers look unexpectedly high or low, check that the property value and percentage inputs are correct. If the calculator returns zero for a desired lump sum, increase the property value or lower the requested cash amount. For legal or tax questions consult a professional adviser.
Frequently Asked Questions
What is a home reversion plan?
A home reversion plan is an agreement where you sell part or all of your home to a provider in return for a lump sum or regular payments while retaining the right to live in the property, usually rent free, for life or a set term.
Who is eligible for a home reversion plan?
Providers generally require homeowners to be at least 55 years old. Eligibility also depends on property type, mortgage status, and health. Each provider has its own rules and will carry out a valuation.
How does the calculator estimate the cash offer?
The tool applies typical market discount rates to the share you sell. Discounts reflect the provider taking ownership that may only be realised in the future. The estimate is a guide and not a guaranteed offer.
Will a home reversion plan affect my state benefits?
It may affect means-tested benefits because selling part of your home can change your capital. Check with a benefits adviser or consult government guidance before proceeding.
How are fees handled in the calculation?
The calculator allows you to add common fees such as legal costs and arrangement fees. You can see net and gross estimates. Always confirm actual fees with the provider and your solicitor.
Can I specify the exact lump sum I want?
Yes. Enter a desired lump sum and the calculator will estimate the percentage of the property a provider might expect in return. This gives a quick sense of feasibility.
Does the calculator include inheritance effects?
Yes. The tool shows the retained share of the property. Use that figure to estimate the portion of the estate likely to remain for beneficiaries. For exact inheritance tax calculations consult a tax adviser.
Is a home reversion plan reversible?
Not typically. Reversion plans are usually irreversible because ownership transfers to the provider. Some plans allow partial repurchase but terms vary. Read provider contracts carefully.
How does age affect the offer?
Older applicants usually receive higher cash offers for the same percentage sold because the expected time until the provider realises the property is shorter. The calculator factors age sensitivity in its background assumptions if you enter age-related scenario settings.
Can I use this tool for joint owners?
Yes. Enter the combined property value and the total percentage you plan to sell. Be aware that each co-owner must agree and that provider rules for joint ownership vary.
What documentation do providers typically require?
Providers require proof of ownership, recent valuation, identity documents, and possibly medical information. Your solicitor will help manage paperwork and explain legal implications.
How long does a reversion plan take to complete?
Completion times vary. Expect several weeks to a few months. The process includes valuation, offer, legal checks, and completion. The calculator does not estimate legal timelines precisely.
Will I still pay property taxes and utilities?
Yes. You remain responsible for council tax, utilities, upkeep, and insurance unless the contract specifies otherwise. The calculator assumes ongoing homeowner responsibilities.
What happens if I move into long-term care?
Terms vary by provider. Some plans convert or trigger sale options if you permanently move into care. Check contract terms and seek regulated advice before deciding.
Can I sell the property later if I have a reversion plan?
Sale of the property after a reversion plan depends on the provider. Typically the provider will receive their share on sale. Any remaining proceeds go to the owner or heirs according to the contract.
Does the calculator compare lifetime mortgages?
The tool provides a simple comparison note showing how a lifetime mortgage might differ in impact. It does not provide regulated quotes for lifetime mortgages. For full comparison consult a qualified equity release adviser.
Are there alternatives to a home reversion plan?
Alternatives include lifetime mortgages, downsizing, using savings, or family loans. Each has different implications for inheritance and benefits.
Is the output legally binding?
No. The calculator gives estimates only. Any actual offer must come from a provider and will require a legal contract and solicitor review.
Who should I speak to after using this calculator?
Speak to a regulated equity release adviser and an independent solicitor. They will provide personalised, regulated advice based on your situation.
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Author and Last Updated
Written by SooperTools Team | Last updated on October 2025
References
MoneyHelper: What is a home reversion plan
Financial Conduct Authority: Equity Release Guide
Comments or Reviews
"This calculator helped me understand the trade off between lump sum and inheritance. It made the first conversation with an adviser much clearer."
