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When it comes to equity release, we all have questions.
What, for instance, is it exactly?
Equity release is a way for homeowners over 55, whose property is worth at least £70,000, to release tax-free cash from their homes. It is an increasingly popular way for people in, or approaching, retirement to boost their finances.
And will we still own our home?
Yes – and with Key’s plans you can stay in it for as long as you like.
Will we have to make monthly repayments?
No, not unless you want to. The loan, plus rolled-up interest, will be paid back when your plan comes to an end.
Could our family inherit the debt?
No – all of Key's plans come with a ‘no negative equity’ guarantee, so you’ll never owe more than your home is worth and there’ll never be a debt for your family to take on.
How much can we release?
This depends on your age, how much your house is worth and your general health. On average, Key customers have had access to £90,000.
What do people usually use the money for?
Key customers spend the tax-free cash on many different things, such as repaying existing debts, travel and home improvements.
So, what’s different about Key?
Because Key takes a personal and honest approach to equity release, it's good to know we can answer all your questions in a way that's right for you. By ordering our free expert guide, using our free online calculator, or by calling us.
Proudly rated 5 stars on Trustpilot by over 16,000 of our customers
Personalised, expert advice to find out if equity release is right for you
We've helped over 1 million people see if equity release is right for them
To safeguard your health, our expert equity release advice is now available over the phone, via video appointment or face-to-face, whichever is right for you. If you're interested in finding out more about equity release, please get in touch either online or by calling us on 0808 252 9170. Click here for more info.
Not sure what mortgage is right for you?
To release equity from your home, this typically involves taking out a form of mortgage product. Our later life mortgage finder helps you consider your options. From a lifetime mortgage to a retirement interest only mortgage, with low rates of interest available, now could be a good time to get in touch.
Our equity release advice is unique to you, delivered by qualified experts, who will take the time to understand your needs. They'll search our product range to ensure they recommend the right plan for you.
During your appointment, we'll ensure you consider your options including downsizing or using other forms of borrowing, and, if equity release isn't right for you, we'll tell you.
There's no pressure to go ahead. Your adviser will give you all the information you need about equity release for you to make an informed decision in your own time.
What is equity release?
Equity release is a way for homeowners aged 55 or over to release tax-free funds from their homes without having to move. It is an increasingly popular way for people in, or approaching, retirement to boost their ﬁnances.
A very professional and efficient service. Everybody went above and beyond to make me feel comfortable and to make sure that everything was clearly explained to me. No sales pressure whatsoever. I would definitely recommend Key to anybody that is considering equity release.
We have just taken equity release on our house to enable us to carry out some repairs to our roof and have a new patio laid.
From the moment we contacted Key Retirement the service was exceptional. Stephen Garton our adviser was extremely helpful in advising us as to the best way forward for our needs.
We have taken the draw down option so that...
Mrs Jean Geary
I have just retired, and I wanted to pay off my mortgage and have a few extra pounds in my bank. So I went to Key Equity Release. They where very good, sent me details of what would happen, they talked me through every step, etc. The chap (Daniel Cook) who I dealt with, was very good and was always available to answer any questions I had, any...
I phoned Key after contacting another person about equity release and they were excellent from the start. Initially they sent out an information pack, which was very informative. They did not hassle me and left me to make my own mind up. Having decided to proceed, John Milner contacted me and we arranged to meet. From that point on the process...
Everything was explained in plain English. My wife and I understood each and every part of the process. If we did not understand a particular point then we made a phone call and all was explained again. All the staff were very helpful. We are very happy with the final contract. Thank you all for your help.
You're in safe hands
All of our plans meet the Equity Release Council standards.
With our plans:
You have the right to remain in your home for as long as you choose, or until you move into full time residential care
You have the freedom to move to another property without financial penalty (subject to criteria)
You will never owe more than the value of your home with the no negative equity guarantee
Key are proudly rated 5 stars on Trustpilot by over 16,000 of our customers
Use our free calculator
Find out how much tax-free cash you could release from your home now with our equity release calculator
Key Equity Release offer lifetime mortgages only, which is a loan secured against your home. Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits.
All our equity release advice relates to our range of Key branded products only, and our fixed advice fee of £599 is only payable on completion.