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Be financially aware
Lifetime mortgages are secured loans. Compound interest means the amount you owe can grow quickly. Equity release reduces your estate's value and may impact means-tested benefits. It may leave little or no property equity, reducing future financial options.

See if your home could be eligible

Our free eligibility checker quickly shows if your home could be eligible for a lifetime mortgage and how much you could release. Your tax-free release is personal to you and eligibility is based on:

  • Property value: £70,000+ only

  • Age: 55+ only

Check eligibility

Why Key Equity Release?

We're an award-winning specialist later life finance provider for the over 55s

Trusted award-winners

We've won 80+ awards and helped over 1 million customers see if equity release was right for them

We're regulated experts

Key is regulated and a proud member of the Equity Release Council

Covered by the FSCS

Equity release advising and arranging is covered by the FSCS, so you'll be protected by up to £85,000

We're here to help you make an informed decision. All our equity release advice relates to lifetime mortgages, a loan secured against your home, which have features to help reduce your total cost of borrowing.

This could include making repayments, remortgaging to a lower interest rate in the future (subject to availability and any early repayment charges) or considering a drawdown plan.

Key considers all your options, not only equity release, so you and your family have the full picture. If it isn't right for you, we'll tell you.

Your other options with Key
Key offers alternatives to equity release such as a retirement interest-only mortgage or retirement repayment mortgage. If another product is more suitable, including home reversion, we'll refer you to a different specialist adviser within Key Group who can help. If you go ahead, you'll never be charged more than our standard fixed advice fee of £1,699, which is only payable on completion of a plan, even if their fee is higher.

Other options to think about
It's important to know your other options before going ahead with equity release. These include: downsizing, unsecured lending, using existing assets, or support from friends or family.

Ready to get started?

See if your home could be eligible and how much you could release tax-free. Check now with Key's award-winning equity release service

We're proud to be:

  • The UK's most trusted equity release adviser. Source: Trustpilot - correct April 2025. Based on the number of 5* Trustpilot reviews compared to other equity release specialists.

Page last updated: Wednesday 28 May 2025

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