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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 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.
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.
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.
Don't be daunted by all the paperwork you have to read to help you make your decision. Michael the Equity Release Adviser patiently went through every page with me and answered any questions I had. Everyone I spoke to or met from Key were pleasant and helpful, so I would definately recommend Key to friends and family.
D from Kent
Bradley stiff was very helpful which made our decision easy to make.
Very polite at all times and did not rush us into making a quick decision and was always on hand to help with any questions we had.
Pauline and stephen
Stephen Eric Harvey
The Advisor was very professional and helpful and made the whole process easy to understand. Everything went through smoothly and stress free and would recommend to anyone looking to release equity.
Very smooth process apart from booking of home visit by solicitor where there was a mix up on times but otherwise all good
I find when very helpful and not a push in to do it but they help to decide what to do
Johanna Catherine Horwood
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.