Opening Hours

Open at 9:00am on Saturday

Opening Hours

  • Monday - Thursday

    9:00am - 8:00pm

  • Friday

    Closed All Day

  • Saturday

    9:00am - 5:00pm

  • Sunday

    Closed All Day

Our Address

Key, Baines House,

4 Midgery Court, Fulwood,

Preston, PR2 9ZH

UK FREEPHONE

0808 252 9170

Equity release that's right for you

All your equity release questions answered clearly and simply - and now Key's expert advice is available over the phone
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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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Equity release advice available over the phone

To safeguard your health, our expert equity release advice is now available in full over the phone. 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.

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

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

During your telephone appointment, 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.

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

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 over 55 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.
Find out more

What our customers are saying

From the first initial phone call to the final payment everyone was professional, friendly and took time to make sure I understood every step of the process. Nothing was too much trouble and they made you feel that they genuinely cared about you and your business. It was made easy. I would recommend Key to everyone make them your first choice.
Dawn Elizabeth Walton
Professional well informed advice whilst being careful to cater for our needs.
Mr Brumell
Professional, friendly advice. Help was there, thoughout the entire process.
R MacDonald
My wife and I were steered through the process of Equity Release with professionalism and friendliness All points were explained thoroughly and when it was time for us to make a decision to go ahead it was taken with confidence.
David Aspin
Very professional. Very detailed information and all questions asked were answered. Very quick and helpful staff.
Mr Perriss

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

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

Book a telephone appointment with a specialist equity release adviser at a time that's good for you

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?'

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.