Opening Hours

Open until 8:00pm 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

0800 531 6027



Any plans approved by the Equity Release Council will guarantee you the right to move your plan to a new property. The new property will have to be acceptable to your lender, and therefore will have to meet their criteria; this is something which you should discuss with the lender before going ahead.

If you want to downsize into a new property that isn’t acceptable to your lender then this may also be possible. With plans that offer downsizing protection you would be able to repay the outstanding loan in order to do this, without paying an early repayment charge. Downsizing protection ensures that if for any reason you need to move to a smaller home, typically after five years of taking out a lifetime mortgage, you can pay the loan back early without penalty. Without downsizing protection you may still be able to move, however you may incur an early repayment charge if you choose to repay your loan early. 

Speak to your equity release adviser about these different options before going ahead for peace of mind that, if your circumstances were to change for health or family reasons, you’ll be able to adjust your housing plans accordingly.

Equity Release Mythbusters

See more

Is equity release right for me?

Read more

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. 
Request free guide
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.