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


0808 252 9170

Who will own my home?

A common misconception about equity release is that you will no longer own your own home. With a lifetime mortgage - the most popular type of equity release plan – you can rest assured that you will always remain the owner of your property.

Your property remains your own

A lifetime mortgage is a loan secured against your home. It doesn’t involve giving up home ownership - you can feel safe in the knowledge that your biggest asset will remain your own. This means that you are still responsible for repairs and maintenance. You also have the freedom to decorate and carry out home improvements, including adding extensions such as a conservatory (subject to the usual planning permissions). In fact many of our customers take out equity release to pay for home improvements.

Spend your cash as you wish

When it comes to spending the cash you’ve unlocked from your home there are no restrictions regarding what you can spend it on.

Home reversion

The other type of equity release plan is a home reversion scheme, and this does involve transferring legal ownership of your property to the home reversion company. So if home ownership is important to you then make sure you discuss it with your adviser so they can find the right type of plan for you.

Stay in your home for life

With either type of equity release plan, you will also be guaranteed the right to stay in your home for the rest of your life. The plan usually ends once you and your partner have either moved into long-term care or passed away.

If you are considering equity release we recommend that you read through is it right for me?

Equity Release Mythbusters

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Is equity release right for me?

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Want to know more?

Get all the facts about equity release by downloading our FREE guide to read straight away. Plus, we'll post one out for you to browse at your leisure. 
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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.