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Release more equity with Key

  • Got a Key equity release plan?

  • See if you could release more with your trusted provider

  • We'll explain the benefits and drawbacks

Talk to us to release more

Book a call

Life changes and so can your financial needs. As a valued Key Equity Release customer, you may be able to release more on top of your existing equity release plan. This depends on three main things:

  • Property value

  • Age and health

  • Existing loan balance

Chat to our friendly team to see if you could release more equity with Key.

Book a free callback or call 0800 408 7186

Releasing more isn't guaranteed. The interest rate could be higher than your initial release.

Why release more with Key?

We understand your financial needs can change over time. Releasing more equity could now give you the freedom to do the things that matter most.

Rising values

  • A property value increase could unlock more equity

Home improvements

  • Renovate, improve, or modernise your home

Help loved ones

  • Cover education costs, weddings, or major life events

Boost your finances

  • Enjoy a better retirement with more money in your pocket

We review all your options to give you the full picture

Your expert adviser will explain that releasing more equity comes with drawbacks and costs. These are important to think about before you go ahead. They'll review your current circumstances and check all your options to find the right one for you.

Triple assurance built in

All plans we recommend are designed to give you peace of mind:

  • You'll always own your home

  • You'll never owe more than your home's worth

  • You can make optional repayments

All our equity release advice relates to lifetime mortgages - a loan secured against your home. It may leave limited or no equity remaining in your property and will reduce your financial options in the future.

Our promise


If releasing more equity isn't right for you, we'll tell you

We could be a perfect fit

We know you and your plan better than anyone else. If it's right for you, we could help you unlock further funds from your home - safely and confidently.

We know each other

  • We already know you and your plan inside out

  • We can guide you through the next steps

  • You'll continue to work with the same trusted brand

Expertise you can trust

  • We've won 80+ awards 

  • We're rated 'Excellent' on Trustpilot with 17,000+ reviews

  • We're the UK's most trusted equity-release specialist

Expert

  • Key is a regulated equity release expert

  • We're proud members of the Equity Release Council

  • We've helped 1 million+ see if it was right for them

If you're thinking of releasing more equity with Key, it's important to weigh up all your options:

Speed and simplicity
We already know your plan and circumstances - less paperwork, fewer delays, faster access to funds.

Continuity of care
If you release more with Key, you'll stay with the trusted provider who understands you and your goals.

Trusted expertise
We're the UK's most trusted equity release specialist based on the number of 5 star Trustpilot reviews.

Clarity and transparency
We pride ourselves on clear advice, no hidden fees, and we always act in your best interests.

Alternative options
If releasing more equity isn't right for you, we'll tell you - and we'll review all your options too.

Trustpilot

Proud member of the Equity Release Council


 

Learn more

We help our customers release more from their home

 
Extra £18,000
Gifting
Case study example

"We wanted to help our daughter with her first home deposit but didn't think we had the funds. Key showed us we could release more on top of our existing equity release plan. The process was quick, clear, and stress-free. They talked us through all our options and the cost impact. Now our daughter has the keys to her new home."
 
See more customer stories

Get free initial advice

Talk to our qualified equity release advisers to check your options. It won't cost you a penny to see if releasing more equity is right for you. What's more, you're under no pressure or obligation. You only pay our fixed advice fee of £899 if you go ahead with releasing more on your Key plan. 

1

Have a free initial chat with your named adviser
 
Book now

2

We'll review your current plan and see what options are available

3

We'll let you know how much extra you could release and talk through your options

If you have a home reversion you’ve already sold a portion of your property in exchange for a lump sum. If you didn’t sell 100%, you may be able to release more equity by selling an additional share.

Our expert advisers review your circumstances and see if switching to a lifetime mortgage, or another option, could help you meet your goals.

If you have a lifetime mortgage you could release more equity through a further advance.

Other options if you can't borrow more
If releasing more equity on your current plan isn't possible, our expert advisers will explore other routes which could include:

  • Remortgage your lifetime mortgage: Sometimes it makes sense to replace your existing plan with a new one that provides additional funds and potentially better terms. Your adviser will take into account any early repayment charges.

  • Explore other financial products: In some cases, unsecured lending, downsizing, or other solutions may be more appropriate - and we'll help guide you through the pros and cons of all your options

Ready to release more equity?

Releasing more equity on your existing Key equity release plan is straightforward with our expert guidance. Contact us today to explore your options and speak with a qualified adviser.

Call us free

  • Call our friendly team free and they can talk you through your options

Call us on 0800 408 7186

Let us call you

  • Book a call with our experts at a time that suits you best

Book now

Releasing more FAQs

TNot always. As we mentioned earlier, in some cases you may be able to release further funds from your existing plan. Another option could be to switch to a new plan if that’s more suitable for your needs - this may involve remortgaging and could be subject to early repayment charges (ERCs).

Which option is most suitable varies by customer and is entirely dependent on your circumstances. We’ll provide a personalised calculation so you’ll know exactly what’s available before you decide to go ahead.

It’s free to talk to us and understand your options.

Book free no-obligation initial advice

Every case is different, your dedicated Key equity release adviser will keep you updated at every stage so you know what to expect.

If you release more equity, the funds are treated as a new equity release loan (lifetime mortgage, a loan secured against your home). This means the new funds will have a new interest rate available at that time.

Your existing loan and interest rate will continue in line with your original plan's terms. We'll make sure you understand everything before you go ahead with your additional release.

In most cases, yes. A new property valuation makes sure we provide an accurate figure for what you could release on top of your existing Key equity release plan.

Yes. Just like when you first released equity, you’ll need to take advice.

You’ll receive expert, qualified equity release advice to make sure that releasing more equity is the right option for you. Our advisers will go through the terms of your additional release in full, so you understand the implications and can feel confident your best interests are being looked after.

Equity release is usually designed to be a one-off, long-term product, providing a lump sum, or further funds when required following an initial lump sum (drawdown facility).

However, depending on your plan and circumstances, there may be options to release additional funds. This could be through a further advance -subject to your existing lender still offering that product - or by remortgaging to a new plan (which may involve early repayment charges).

These options aren’t guaranteed and will depend on factors such as your lender’s criteria, the availability of the product, and the interest rates at the time. That’s why it’s important to take specialist advice before making any decisions.

Page last updated: Thursday 11 September 2025

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