We use essential cookies to enable our website to function
and non-essential cookies for marketing purposes. You can
change your cookie settings here, otherwise we’ll assume
you’re OK with the current settings.
Some cookies are optional, you can opt in or out of these
Marketing cookies – These cookies help us tailor the
advertisements you see on third party sites by
understanding what interests you on our sites, such as the
pages you view. We don’t combine this information with
other personal information you provide us with.
Tracking cookies – These enable us to recognise repeat
visitors to the site. By matching an anonymous, randomly
generated identifier, we’re able to record specific browsing
information such as how you arrive at the site, the pages
you view, options you select, and the path you take
through the site. By monitoring this information we’re able
to make improvements to our sites.
Social cookies – These cookies allow you to share and like
our pages through your favourite social network sites.
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 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.
Is equity release safe?
Yes. You need to receive qualified advice before committing to equity release, which is exactly what you get from Key. We are members of the Equity Release Council and authorised and regulated by, the Financial Conduct Authority.
So, what’s different about Key?
Because Key takes a personal and honest approach to equity release, we can answer all your questions. We have helped more than a million people decide if equity release is right for them and if it’s not right for you, we’ll tell you. And if it is, then we’ll take the time to understand your needs so we can recommend the right solution for you. And, what’s more, all of our advice is free of charge.
OK, how do we find out more?
Try our free online calculator or order your free myth-busting guide, both of which you can find online at keyadvice.co.uk.
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.
All of our equity release advice relates to our range of Key branded products and is completely free of charge. So, you can find out if it's right for you without it costing you a penny.
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.
Key is a very easy, friendly & knowledgeable company to deal with. My Lifetime Mortgage was arranged & completed in a very short space of time. I am very pleased & satisfied with my whole experience.
I found the equity service very efficient and my dealings with Andrew straight forward and honest. Andrew was very helpful and explained everything very well.
However my only disappointment was with the Wills side if the business, u found this to be too pushed and hard sell. So we have now gone elsewhere.
Robert Graham Meen
I had applied for equity release with another provider and had been refused because I owned the Freehold on mine and other properties. I reapplied with Key and was put in touch with Andrew. My situation meant that only certain lenders would consider me but Andrew found me the best deal and guided me through the process at every stage. He gave me...
Miss S Howorth
Very efficient in all aspects
Thoroughly explained and picked the right plan for us both
Quick service from beginning to end and allways at the end of the phone to answer any questions
Would thoroughly recommend
Really helpful Mike was really good explained everything & everything went smooth would highly recommend Mike
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 15,000 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.