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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's 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.
So, what’s different about Key?
Because Key takes a personal and honest approach to equity release, it's good to know we can answer all your questions in a way that's right for you. By ordering our free expert guide, using our free online calculator, or by calling us.
Proudly rated 5 stars on Trustpilot by over 16,000 of our customers
Personalised, expert advice to find out if equity release is right for you
We've helped over 1 million people see if equity release is right for them
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.
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.
From our first contact with key we experienced the highest customer service and support you could ever ask to receive. Our advisor Gill Ray was both highly professional and patient throughout the whole process. Nothing was too much trouble when we had questions to raise, we have to say we did not have too many questions to raise as she covered...
After much deliberation I decided equity release may right for me. I met with a Key Advisor and she went through all the process with me. Julie was very professional and helpful she answered all my questions. No hard sell. She was very knowledgeable about the market and explained the pitfalls and advantages in a non biased way. No pushy sales...
Having considered equity release for a while, we decided it was now right for us and Key was recommended to us by a family member who had used the service. We contacted the HO and they put us in touch with David Cole. A brochure with excellent information was sent to us ahead of a telephone appointment with David to discuss the plan and our...
The gentleman we dealt with was very thorough & knew his job . Any questions we asked he always knew the answers without the need to check up . He was also very polite & cheerful which helped a great deal.Overall our experience was extremely good & we would not hesitate to recommend your company to anyone e;se .
Very informative sales person not pushing or giving deadlines.
Very helpful with Very good knowledge of system all questions answered during visit.
Very straight forward
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
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.
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.