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Our equity release plans

Find the right equity release plan for you

Compare a wide range of Key Equity Release plans

  • Annual rates from as low as 4.42% fixed for life with us*
  • Release up to 56% of your home's value, depending on your circumstances
  • Free fully qualified, expert equity release advice
  • Available to homeowners aged 55 and over with a property worth at least £70,000
  • Choose features to personalise your plan based on what matters most to you
  • All of our plans meet the Equity Release Council standards which means they come with the no negative equity guarantee, so you can’t pass on any debt through equity release to your beneficiaries
Whether you’re looking for low interest rates, high loan amounts or flexible features, there’s a Key Equity Release plan for you.

*Lowest available rate correct as of 1st August 2022. All other stated rates correct as of 1st August 2022, based on customer data from the last 60 days. Interest rate received and plan features are subject to eligibility. Ask for a personal illustration.

No monthly repayments

With a lifetime mortgage – the most popular form of equity release – there are no monthly repayments for you to make, as the loan, plus roll-up interest, is repaid when your plan ends.

Downsizing protection

After five years, if for any reason you need to move home, you can repay your loan in full without penalty if your new property doesn’t meet the lender’s criteria.

Lump sum or drawdown

Choose whether to receive your tax-free cash in one go or in stages following an initial release

Free eligibility check


Being eligible for equity release may be easier than you think. There’s no affordability check, and as long as you’re a homeowner aged 55 and over, and your property is worth more than £70,000, you could be eligible. Use our free eligibility checker to see if you qualify.
 

Partial capital repayments

You can make voluntary, ad-hoc repayments on the capital amount borrowed to reduce the size of the loan on which interest is charged.

Enhanced

If you, or any other applicant, have any health problems or make certain lifestyle choices, like smoking, you could be able to release more of your home’s value.

Inheritance protection

You can ring-fence a percentage of your home’s future value to be passed on as a guaranteed inheritance, regardless of how much interest accrues.

You need to get advice

Before you can go ahead with equity release, you have to take qualified advice. It’s a regulatory requirement. Your application won’t be considered without you first doing so. We understand that equity release is a big decision, and one that should be considered carefully.
 

Equity release advice

All of our equity release advice relates to our range of Key branded products. So, you can find out if it's right for you without it costing you a penny.
 

Equity release that's right for you

If you decide equity release is right for you, one of our expert equity release advisers will recommend a plan that suits your needs. To do so, they’ll search the extensive range we’ve created, and using their expertise and experience, find and recommend the right plan for you.
 
Our specialist equity release advisers are there to help you make sure you’re doing what’s right for you, nothing more.

I want to see how much I can release

Use our free equity release calculator to instantly see how much tax-free cash you could unlock from your property

I want to speak to an equity release expert

Fill in our short form and one of our dedicated team will give you a call to answer any questions you may have

I want to know more about equity release

Download our free equity release guide to find out more about how equity release could help change your later life

Things to consider
  • You have to get advice before releasing tax-free cash from your home - please read all our information and make sure it’s right for you
  • Key Equity Release offer lifetime mortgages only, which is a loan secured against your home. It will reduce the value of your estate and may affect your entitlement to means-tested benefits
  • All of our plans meet the Equity Release Council standards and come with several protections, including the no negative equity guarantee, which means you’ll never owe more than your home’s value
  • All our equity release advice relates to our range of Key branded products only, and our fixed advice fee of £599 is only payable on completion
Page last updated: Thursday 23 June 2022