Opening Hours

Open until 8:00pm 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


0808 156 2697

“New Year, New You” - Addressing healthy finances in 2019
How many New Years have you welcomed with the promise to go to the gym more or live a healthier lifestyle?

But what about your financial wellbeing?

January is the time for a fresh start.

Leading a less stress-filled life can be achieved by reducing money worries.

Across the UK, 42% of people have experienced stress or anxiety due to financial difficulties*.

And money concerns are particularly rife at this time of year.

Unsecured debts, such as credit cards, have seen a 34% rise in use by those between the ages of 55 and 74 over the past four years*2.  

Yet, if you’re a homeowner aged 55-95, and are looking for a financial boost, equity release might be the answer.

According to our research, 30% of those who released tax-free cash from their home used all or some of the funds to pay off debts*3.

There are typically no monthly repayments with a lifetime mortgage. The loan and roll-up interest are only repaid when the plan comes to an end.

A lifetime mortgage could offer you more financially stability while letting you retain ownership of your own home.

But like any big decision in life, seeking honest, expert advice is crucial. And at Key, we will always give you the best advice for your unique situation.

After all, good advice is Key.  

Things to consider

Our independent, specialist equity release advisers compare products from the whole of the market to find the right equity release plan for you. They’ll discuss the options available to you and explain that taking a plan reduces the value of your estate and may affect any means-tested benefits you’re eligible for.

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 that is repaid when you pass away or move into long-term care. 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.

You should always think carefully before securing a loan against your home.

You have to get expert advice before releasing equity; it’s a regulatory requirement. 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.

*2 According to more 2 life research (July 2018)
*3 Key’s Q3 2018 Market Monitor

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