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Why choose equity release

Equity release could help you get the things you want out of later-life

How could equity release help change your life?

If you're facing financial barriers in life, equity release could be the answer

Clear existing debt

Would clearing all your existing debts transform your life for the better? If the monthly repayments for credit cards and loans are holding you back, there are options out there for you

Trip of a lifetime

Do you want to book that dream holiday of a lifetime? Wherever your travel desires take you, there are financial options available for you to help make those dreams a reality

Home improvements

Whether it's bringing your home up to date or future-proofing your property to create a more comfortable living environment for your retirement, you could only be one step away

Help with regular bills

Money can be tight in later life, but there are financial options available to help you retake control and live a better retirement


Help family and friends

Many wish they had the finances in place to help their nearest and dearest in times of need - your home could be the answer

Pay off an existing mortgage

The burden of monthly mortgage repayments can be worrying in retirement - see how equity release could help you

All of our advice is unique to you, delivered by fully-qualified equity release experts. We're authorised and regulated by the FCA and take the time to get to know you and your needs to ensure we find and recommend the right outcome for you.

Arrange advice

Could equity release give you the freedom for you to do what matters most?

Here at Key Equity Release, we're dedicated to helping you enjoy a fulfilling, worry-free retirement by finding and recommending the right plan to meet your individual needs.

After years of working hard to make monthly repayments, your home might be your biggest asset, especially with the increase in average UK house prices over the last 20 years. Downsizing is an option to free up cash; however, this could mean the emotional wrench of leaving your family home and neighbourhood.
Meanwhile, people are living longer and many are struggling to make ends meet on their retirement income, let alone having anything left over for life’s little luxuries once the bills are paid.

An equity release plan allows homeowners aged 55 and over to access some of the tax-free cash tied up in the value of their home. Key have helped more than 1 million people decide if equity release is right for them or not, giving us a unique understanding of the questions and concerns you may have about equity release.

If you’re considering releasing money from your home, then you probably already have a good idea of how you’d like to spend it. It could be for a trip of a lifetime or home improvements, to clear debts or support loved ones - and this could influence the type of plan that suits your needs.
If you want the money all at once, then you could opt for a lump sum lifetime mortgage. If you want to take out an initial amount then release further funds as and when you need to, you might choose a drawdown lifetime mortgage. Whichever way you choose, with our product range, guided by Key’s 20 years’ experience, you can be confident we’ll find the plan that suits you.

Is it right for me?

Get the facts and information to see if equity release is right for you

How it works

See if equity release could help finance a better retirement for you

Your journey

Find out how to apply for an equity release plan and what to expect

Free online later life lending event for over 55s

  • Join this online event on Thursday 25 August at 10:30am
  • Hear from our customers on how releasing equity has helped them in later life
  • Learn how you could release funds, things you should consider and ask questions privately to an expert adviser during the event
Register now

Things to consider

Our specialist equity release advisers search our entire product range to find the right equity release plan for you. They’ll explain:

  • 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
  • You should always think carefully before securing a loan against your home
Page last updated: Thursday 14 July 2022