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Opening Hours

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    9:00am - 8:00pm

  • Friday

    9:00am - 5:30pm

  • Saturday

    9:00am - 5:00pm

  • Sunday

    Closed All Day

Our Address

Key, Baines House,

4 Midgery Court, Fulwood,

Preston, PR2 9ZH

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0808 252 9170

Equity release that's right for you

All your equity release questions answered clearly and simply
Equity release video thumbnail

Transcript

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.

Key - equity release that’s right for you.

Our range of equity release plans involve lifetimes mortgages - a loan secured against your home, reducing your estate's value and may affect your entitlement to means-tested benefits.

Plan terms and conditions apply. You should always think carefully before securing a loan against your home.

Typically, the loan plus compound interest, is repaid when the plan comes to an end following death or entry into long term care. Over 55 homeowners only.

Key customers had access to £90,298 on average in H1 2019. Key Equity Release's advice is free of charge. Not available in NI.
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Based on 15,000 reviews

Our promise

We take the time to get to know and understand you and your circumstances, because the first thing to work out is whether equity release is right for you. And if it isn’t, we’ll tell you.
Find out more about us
Personal

Personal

Our equity release advice is unique to you, delivered by qualified experts, who will take the time to understand your needs. They'll search the product range to ensure they recommend the right plan for you.

Transparent

We'll discuss all your options with you, including downsizing or using other forms of borrowing, and, if equity release isn't right for you, we'll tell you.
Transparent
Supportive

Supportive

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.

Free advice

While other advisers charge a fee, all of our expert equity release advice is completely free, so you can find out if it's right for you without it costing you a penny.
Free advice

What is Equity Release?

Equity release is a way for homeowners aged over 55 to release tax-free cash from their homes without having to move. It is an increasingly popular way for people in, or approaching, retirement to boost their finances.
Find out more

What our customers are saying

Our adviser, Kelly, was a delight. Friendly, patient and helpful. We were made fully aware of what the procedure involved. We received courtesy and efficiency from everyone at Key and were very happy with the speed and efficiency from all those we spoke to.
Colin & Loz M
We have just completed equity release and the whole process has been completely stress free thanks to Key. My wife and I would not hesitate in recommending Key to anyone who is thinking of releasing equity as their support throughout the process and everything was explained to us that we asked them. They are available to answer any queries that we may still need answering. Thank you Key and all your team.
Clive Everett
Excellent smooth service, hassle free, John Harris my advisor explained everything in a very clear manner, would highly recommend. There was no hard sell and all the pros and cons were explained clearly.
Roy
Our Key advisor was very helpful, excellent service through the whole process. Everything went smoothly with someone from Key letting us know how things were progressing all the way. Thank you
Gill Guest
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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
  • 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

Ready to get started?

Free equity release calculator

Use our free calculator

Find out how much tax-free cash you could release from your home now with our equity release calculator
Speak to an adviser

Speak to an adviser

Book an appointment with a specialist equity release adviser in your home at a time that's good for you
Request a guide

Request a guide

Request your free, comprehensive guide to equity release and find out if it's right for you

If you are considering equity release we recommend that you read through 'is equity release right for you?'

A lifetime mortgage 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.