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Equity release
Is Equity Release Safe?

Safe, straightforward advice

Equity release is a big decision, so it’s important that you have the best advice. All advisers at Key follow strict rules and guidelines, ensuring each customer receives the right plan for them and that the plan meets their needs. If equity release isn’t right for you, we’ll tell you!

Rest assured, you’ll be in safe hands. We are dedicated to giving you all the information needed to make the right decision for you. We’ve helped over one million people decide if equity release was right for them and are proud of our 9.8 rating on TrustPilot.

Added protection

As well as being regulated by the Financial Conduct Authority, we recommend plans approved by the Equity Release Council, meaning you will:

Have the right to move to another property

If you do wish to move, you'll have the right to take your equity release plan with you to a new home. The property will need to meet your lender's criteria.

Have the right to stay in your home for life

With a lifetime mortgage, you still own your home. With a home reversion, you are the beneficial owner; both give you the right to stay in your home for life.

Never owe more than the value of your home

The no negative equity guarantee means the final amount owed at the end of an ERC approved plan will never exceed the value of your home.
Arrange advice today

Arrange advice today

Speak to one of our expert advisers over the phone or face-to-face, so they can get to know your needs. As we’re independent, our focus is you, meaning you’ll receive impartial advice to help you decide in your own time.

Arrange Advice

Key is regulated by the FCA, a member of the Equity Release Council, and we always ensure you get the right advice.

Swipe

Your Protection Equity Release Council Key's Advice Individual Plans Combined
No negative equity
Right to live in your home for life
Right to move home
Whole of the market
Independent
Price match guarantee
Fully qualified advisers
Inheritance protection
Early repayment charge exemption
Drawdown additional cash
Flexible early repayment options
Standard features    Option extras

Lifetime mortgage features

Drawdown additional money in the future

Drawdown plans are a specific type of lifetime mortgage. They give you the option of setting aside a sum of money to draw from in the future, should you need to. These plans can be used to reduce the overall cost of your equity release plan, and give you more flexibility.

Guarantee an inheritance

Protect a portion of your home’s future value and leave it as a guaranteed inheritance for your loved ones. This is a great way to ensure that your family can still benefit from your estate – but it’s still a good idea to discuss equity release with them before going ahead.

Release more cash with an enhanced plan

If you or your partner have any health conditions, or make certain lifestyle choices then you may be able to release more money and/or get a better interest rate. Health issues such as diabetes, heart problems or high blood pressure are typical examples where you could qualify for an enhanced lifetime mortgage.

More about equity release

Already have a plan?

Need more money or want your current plan reviewed, check out your options

Learn more

Why equity release?

Could a tax free cash lump sum that you can spend how you wish help you get the things you want out of life?

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Your journey

Find out how to apply for an Equity Release plan and what to expect

Learn more

Is it right for me?

Find out all of the necessary facts and information to see if it's right for you.

Learn more

If you are considering equity release we recommend that you read through is equity release right for you?