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Equity release
Is Equity Release Safe?

Is equity release safe?

Equity release advice and lending is regulated by the Financial Conduct Authority (FCA). We're also a member of the Equity Release Council and adhere to its statement of principles.

Safe, 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 15,000 customers on Trustpilot.

Added protection

As well as being regulated by the Financial Conduct Authority, whose primary role is to protect customers and enhance the financial market’s integrity, all of our plans meet the Equity Release Council standards, meaning you'll:

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.

More about equity release

Already have a plan?

Need more money or want your current plan reviewed? Check out your options

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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?

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Your journey

See what’s involved in your typical equity release journey from application to completion, including what we do for you

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Is it right for me?

Find out all the facts and information you need to see if equity release is right for you with no pressure to go ahead
Learn more

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