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Is equity release safe?

All of our plans meet the Equity Release Council standards and come with several assurances, including the no negative equity guarantee.

Straightforward advice

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.

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.

Things to consider

Our specialist equity release advisers search our entire product range to find the right equity release plan for you. They’ll explain:

  • You have to get advice before releasing equity - please read all our information and make sure it's right for you.
  • Equity release reduces your estate's value and may affect any means-tested benefits you're eligible for.
  • A lifetime mortgage is a loan secured against your home.
  • 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
Page last updated: Tuesday 12 April 2022