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Unlock tax-free funds from your home
Take control of your later life finances
Our promise
We take the time to understand your needs before making a recommendation that’s personal to you. We always act in your best interests, and if our later life products aren’t right for you, we’ll tell you.
Live the later life you want
At Key, we believe your later life should be lived the way you want it. But we understand that means different things for different people, which is why our specialist advice is always personal to you, so you can find the right solution for your needs.
Pay off your existing mortgage and debts
Repay your existing mortgage and debts to give yourself financial peace of mind in later life. For example, with a lifetime mortgage, there are typically no monthly repayments to make, as the loan plus roll up interest is usually repaid when the plan comes to an end, so you can concentrate on what matters most to you.
Help your family when they need it most
With a lifetime mortgage, you could access a portion of your home’s value, tax-free, to help your loved ones now, and still guarantee they’ll get a percentage of its future value when the plan comes to an end with our inheritance protection feature.
Boost your later life finances
Whether you need a cash lump sum or would like smaller amounts over time following an initial release, a Key lifetime mortgage allows you to choose what works for you to help put you in control of your finances.
Stay in the home you love
From transforming your bathroom into a wet room to installing a stair lift, by unlocking tax-free cash with a Key lifetime mortgage, you can make the changes you need to help stay in the home you love for as long as you choose.
What our customers are saying
Why Key Later Life Finance?
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
Here to help when you're ready
Free online later life lending event for over 55s
- Join this online event on Thursday 28 July at 10:30am
- Hear from our customers on how releasing equity has helped them in later life
- Learn how you could release funds, things you should consider and ask questions privately to an expert adviser during the event
Things to consider
Equity release – lifetime mortgages
- If you are considering equity release we recommend that you read through 'is equity release right for you?'
- 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.
- You should always think carefully before securing a loan against your home
- 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.
Later life mortgages
- A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. You should always think carefully before securing a loan against your property
- For retirement mortgage products, we charge an advice fee of 1.99% of the amount released, subject to a minimum of £1,499, usually payable when the mortgage completes.
You can also request your free, comprehensive guide to equity release and find out if it's right for you by clicking here.
Free online later life lending event for over 55s
- Join this online event on Thursday 28 July at 10:30am
- Hear from our customers on how releasing equity has helped them in later life
- Learn how you could release funds, things you should consider and ask questions privately to an expert adviser during the event
Page last updated: Monday 09 May 2022