• Open at 9:00am on Saturday
    • Monday - Thursday 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

  • UK FREEPHONE 0808 252 9170

About us

We’re here to help you take control of your finances so you can live the later life you deserve

For the life in later life

At Key, we believe later life is for the opportunities yet to be discovered, the horizons yet to be explored, and the memories yet to be made.
We believe it’s for the peace of mind knowing your existing mortgage is fully repaid, for the joy of being able to help your family when they need it most, and the comfort of knowing you can do so without having to leave the home you love.
We believe later life is for living. And through our specialist products and personalised advice, from equity release to mortgageswills and lasting powers of attorney,we can help you take control of your finances so you can put the life in later life.


We have more than 20 years’ experience helping over 55s with tailored financial advice on a range of later life products designed specifically to help put you back in control of your finances.


Our expert advisers 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 mortgage products aren’t right for you, we’ll tell you.


We’ll give you all the information you need to make smart, well-informed decisions about your later life finances in your own time. And if you do choose to go ahead with any of our products, we’ll support you throughout the entire process, answering any questions you have at every step.

What we do

Key is a specialist later life finance company focusing solely on the over 55s. We provide expert advice, innovative later life mortgage and estate planning products, planning tools and personal support so you can realise your potential in later life.

What we offer

We specialise in a range of retirement products. These include:

Our history 

Founded in 1998 with just six people, we were originally known as Home Income Gold and mainly offered home income plans. That was until 2001, when we started our name to Key Retirement Solutions and expanded our focus to cover all equity release advice services. A few years later in 2004, our directors bought Key from our previous owners, Countrywide.

In May 2007, after bringing in a number of new faces to our family, we launched our estate planning service to help customers focus on more than just their retirement finances, writing Wills and lasting powers of attorney.

In June 2013, Phoenix Equity Partners bought a majority stake in our parent company, Key Group. As the business continued to grow, we moved into a new head office at Baines House in Preston.

A new name and image weren’t too far away either, which came in October 2014 when we rebranded to the name of Key Retirement, reflecting the expansion of our range of services.

In August 2017, Phoenix Equity Partners sold their stake to leading global private markets firm, Partners Group creating new opportunities to consider how we build on our legacy to serve increasing numbers of customers.

Following significant hard work over the pandemic to evolve our offering while supporting customers, colleagues and partners, we rebranded to Key Later Life Finance in March 2022. This underlined the evolution of the business to provide access to a range of later life lending products including equity release, retirement interest only mortgages (RIO’s), and later life mortgages as well as estate planning and Lasting Power of Attorney services.

Giving back

Every year, we come together to support a number of different charities with fundraising events and volunteer work.
Throughout 2018, we supported Brian House Children’s Hospice raising an incredible £30,000. Brian House, based in Blackpool, is a specialist unit within Trinity Hospice specialising in palliative care for children. As one of only a handful of local children’s hospices in the UK, it currently supports over 80 families. 

For 2019, our chosen charities are the Boathouse Youth in Blackpool and Barnardo’s, both incredibly important children’s charities for the local area. This year, as well as donating funds raised through various charity events, we’ll also be donating our time for various projects with the charity. It’s an amazing opportunity for us to give something back to our local community.

Page last updated: Thursday 27 July 2023