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

UK FREEPHONE

0808 252 9170

Take control of your money


Paying off your existing debts can help you feel less stressed and more in control. If your monthly finances are currently being squeezed by debt repayments, then paying them off could also make the cost of living more manageable.

Of course, this can be easier said than done - which is the position that many of our customers find themselves in when they first come to Key. Equity release can provide the necessary funds to remove existing debts by allowing you to unlock cash from your home. In fact, 32% of Key customers found that equity release was the right solution to help them pay off debts.* Is it right for you?

* Key Market Monitor - Half Year Review 2018

Looking for the best way to sort out your existing debt? Considering equity release? Our no-jargon award winning service can help you to explore your options at your own pace, with absolutely no-obligation to proceed!

Arrange advice today

Speak to one of our expert advisers over the phone or face-to-face, so they can get to know your needs. As we’re independent, our focus is you, meaning you’ll receive impartial advice to help you decide in your own time.

Mr & Mrs Boyes

 

"Although equity release isn’t right for everyone, it was right for us. It’s such a relief."

 

The Boyes were struggling with credit card debt and an outstanding mortgage after lending money to a friend.

“It turned out to be the wrong time just as the crash came. We ended up in debt we had not anticipated.”

The couple, from Devon, wanted to be in a position to repay what they owed and have enough money left to enjoy their retirement.

“We wanted to live life, and our retirement, to the fullest.”

Their only problem was securing credit from traditional high street lenders after reaching a certain age, which is when they found Key.

“We made an appointment with our adviser Joy Harrison, and she was second to none from start to finish. She made us comfortable from the first meeting, and it was apparent that she had our interests at heart. “

She was able to find the best plan for us – a flexible lifetime mortgage that we can pay the interest off. The product suits us down to the ground as we can still leave something for our children."

Things to consider

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 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.

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