Opening Hours

Open at 9:00am today

Opening Hours

  • Monday - Thursday

    9:00am - 8:00pm

  • Friday

    9:00am - 5:30pm

  • Saturday

    9:00am - 5:00pm

  • Sunday

    Closed All Day

Our Address

Key, Baines House,

4 Midgery Court, Fulwood,

Preston, PR2 9ZH

UK FREEPHONE

0808 252 9170

Things to consider

Our independent, specialist advisers search the whole market to find the right equity release plan for you. They’ll explain all the options available and that taking a plan reduces the value of your estate and may affect any means-tested benefits you’re eligible for.

The cash you release is tax-free.  In the first half of 2018, our customers were able to unlock, on average, over £85,000 from their homes, to spend on whatever they want.  

With a lifetime mortgage, the most popular form of equity release, you’ll still own your home.  As with any kind of mortgage, it’s a loan secured against your home.  ​You should always think carefully before securing a loan against your home.

Lifetime mortgages typically have no monthly repayments, as the loan plus roll up interest, is repaid when the plan comes to an end.  Because equity release is a lifetime commitment, it is only expected to be repaid on death or entry into long-term care.  

Our expert advisers will also help you to understand how the compound interest on a lifetime mortgage adds up, and how the amount you owe can grow quite quickly.  

All the equity release plans our advisers recommend come with a no negative equity guarantee. This means you’ll never owe more than the value of your home and your debt will never be passed on to your family.

Equity release may affect your tax position.

You have to get specialist advice before releasing equity; it’s the only way to do it. The initial consultation is free with no obligation to proceed. If you decide to go ahead with an equity release plan our advice fee, usually 1.99% of the amount released, subject to a minimum of £1,499, is payable only on completion.

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.

Alternative options

before going ahead with equity release, make sure you've considered the alternatives

Asking for financial help

  • if your family have the financial means, they may be able to offer you a gift or a loan
  • They'll often be all too happy to help you find a solution

Claiming your benefits

  • Make sure you're getting all the benefits you're entitled to
  • Our advisers can help you check what you're entitled to and tell you how releasing equity could affect any means-tested benefits you may already receive

Conventional mortgages

  • This is another way of freeing up some money from your property
  • Unlike equity release, it involves making monthly repayments. You can speak to our mortgage team for more information. Remember, a mortgage is secured against your home. Your home may be repossessed if you don't keep up repayments on your mortgage

Savings or investments

  • If you have enough money saved, you should look to use this first
  • Consider whether you'll need it for other things in the future

Downsizing your home

  • This can be a good way to free up cash if you're happy to live in a different property
  • Remember that moving can be a stressful and time-consuming process

More about equity release

Already have a plan?

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

Learn more

How does equity release work?

Find out how Equity Release works and how it may help you access some of the cash tied up in your home
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?

Learn more

Your journey

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

Learn more