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


0800 531 6027

Clear, fair and balanced

If you take out equity release with Key you will be in safe hands. As an advisory service, we are regulated by the Financial Conduct Authority (FCA), which means you are provided with protection and security and, if need be, access to compensation schemes.

The FCA stipulates that all promotions must be clear, fair, balanced and not misleading. Choosing between plans must be made as simple as possible as information has to be given in such a way that you can compare details.

Your rights and guarantees

For additional safeguarding, Key is a member of the Equity Release Council (ERC), and recommends ERC-approved plans, which offer a number of important guarantees, including:

-    a no negative equity guarantee ,meaning you will never owe more than the value of your home
-    the right to stay in your home for life
-    the right to move home should you wish to, subject to lender criteria, without financial penalty

This all means that when it comes to Key, you can rest assured that any comments you may hear about equity release being a ‘scam’ or a ‘rip-off’ are unfounded. In fact for many people, equity release helps them enjoy a better, more financially secure and fulfilling retirement.

Value for money

Key is not tied to any lenders and will search the whole of market to find the best deal and plan to suit your individual needs. Your adviser will provide you with an illustrative example of costs for the plan they recommend. You'll get a chance to discuss these costs up front, with absolutely no obligation to proceed.

Good advice is Key

Equity release isn’t the right solution for everyone, and advice from a specialist equity release adviser is vital so you know what you’re going ahead with. Key’s qualified, expert advisers can equip you with all the information you need to make a decision. And if equity release is not right for you, we’ll tell you.

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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.

You have to get specialist advice before releasing equity; it’s the only way to do it. The initial consultation we give 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.
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. All equity release plans we recommend have a no negative equity guarantee, which means you’ll never owe more than the value of 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.   You should always listen to advice and give full consideration before securing a loan against your home.