Your Equity Release Journey

Your equity release journey starts here

Before deciding to take out equity release, it’s crucial you seek expert advice. Which is why, if you’re considering unlocking tax-free cash from your home, we take the time to get to know you and your circumstances before guiding you every step of the way. And remember, all of our equity release advice is free of charge.

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Before speaking to us, you can use our website to find out more about equity release and see how much cash you could release from your home.

Claim your free equity release guide to start your journey
Use our free equity release calculator to see how much you could release
See what equity release could do for you
See how Key have helped more than 1 million people decide if equity release is right for them

This is what the typical equity release journey looks like

When you first contact us, one of our specialists can answer any initial questions you might have over the phone. Then, when you’re happy, they’ll arrange an appointment for you with one of our expert equity release advisers; this can be in person or over the phone, whichever suits you best.

We encourage discussing equity release with your family so they can be part of every step, offering peace of mind for everyone involved that you're making the right decision. We’re happy to welcome them to your appointments and will answer questions they may have . If you’d rather not involve others, we'll always respect your decision.

Your first appointment gives you the chance to find out more about equity release. It's where your equity release adviser will get to know you, your situation and needs. During this appointment, if your expert adviser believes equity release isn't right for you, they'll tell you there and then.

After your first appointment, if you then decide to go ahead, your adviser will organise a convenient time for your second appointment. In the meantime, they'll search the product range we’ve created, guided by Key’s 20 years’ experience and unique insight from helping over 1 million people decide if equity release is right for them, to find the right plan for you.

Here your adviser will present their recommendation and answer any further questions you might have. They'll also provide a personalised illustration to highlight the pros and cons of the recommended plan, including how much you can release, the interest rate and its terms and conditions. We have a wide range of plans available, with rates starting from less than 3% MER, and you could release up to 55% of your home’s value depending on your age, health and property value.

If you’re then happy to proceed, your application will be submitted and your property will be valued by an independent RICS registered surveyor, so you can be confident of securing an accurate valuation.

After the paperwork has been reviewed and completed, and it meets their criteria, you'll receive an offer. This will include all the terms and conditions of your plan for you to review and decide if you wish to go ahead.

Once you’re happy with everything, an independent solicitor acting on your behalf will cover the legal aspects and you will sign the relevant paperwork.

After the legalities have been taken care of, a completion date will be set. Although we can never guarantee timescales, eight to twelve weeks is typically how long it takes from application to completion.

Finally, the moment you’ve been waiting for. It’s now time to put your tax-free cash to use.

Arrange advice today

All of our advice is free and 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.

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More on equity release

Get all the information you need with our free equity release guide

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Use our free equity release calculator to see how much you could release

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Find out how equity release works and see if it's right for you

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Things to consider

Your specialist equity release adviser will 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
A lifetime mortgage, which is a loan secured against your property, is the most popular form of equity release and you'll retain full ownership of your home
All of our plans are approved by the Equity Release Council and come with several protections, including the no negative equity guarantee, which means you'll never owe more than your home's value
Equity release will reduce your estate's value and may affect any means-tested benefits you're eligible for

Your journey