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All of our plans meet the Equity Release Council standards and come with several assurances, including the no negative equity guarantee.
Equity release is a big decision, so it’s important that you have all the facts. All of our advisers follow strict rules and guidelines, ensuring you receive the right recommendation for you. If equity release isn’t right for you, we’ll tell you.
Rest assured, you’ll be in safe hands. We’re dedicated to giving you all the information needed so you can make an informed decision, in your own time. Key have helped more than 1 million people decide if equity release is right for them and are proud to have received a five-star rating from over 16,000 customers on Trustpilot.
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, subject to criteria
Have the right to stay in your home for life
With a lifetime mortgage, the most popular form of equity release, you still own your home. With a home reversion plan, 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 you’ll never owe more than your home’s worth, so any debt accrued through equity release can’t be passed on to your loved ones.
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 following an initial lump sum, should you need to. These plans can be used to reduce the overall cost of your equity release plan, as you only pay interest on the amount you release, and give you more flexibility.
Guarantee an inheritance
With some of our plans, you can choose to guarantee a percentage of your home’s future value as an inheritance for your loved ones through inheritance protection. This is a great way to ensure your family can still benefit from your estate.
Release more cash with an enhanced plan
If you or your partner have any health conditions or make certain lifestyle choices, you may be able to release more money through an enhanced lifetime mortgage. Health issues, such as diabetes, heart problems or high blood pressure are typical examples of how you could qualify.
Why equity release?
Could unlocking some of the tax-free cash tied up in your home help you get the things you want out of life?