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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


0808 252 9170

Could your home make your trip of a lifetime dreams a reality?
Sink into your seat. Fasten your safety belt. All tray tables have been stowed and armrests are down. Your attention is fixed on the flight attendant, soon you’ll be whisked away to your dream destination on a trip of a lifetime. 
Or, it could be the open road. Just you and that grey ribbon of escape stretching out before your eyes. 
There aren’t many better feelings. But for some, holidaying isn’t all it could be. For others, it’s just a dream. 
However, the four walls you call home could provide a solution. 

Your home, the saviour

By releasing some of the tax-free cash tied up in your home through equity release, you could make your holiday dreams a reality. 
The soft lapping of clear blue water on the white sandy beaches of a faraway paradise. The buzz of a city as you immerse yourself in new and exciting cultures. Sipping an ice-cool drink, cruising from one destination to another via the world’s oceans. Perhaps, you could have it all. And you wouldn’t be alone. 

Nearly a third of Key’s customers used money released from their property to make memories and enjoy a break from their everyday lives during the first three months of 20191

Why equity release?

Unlike some other financial options available to those over 55, equity release could provide flexibility and security. 
You don’t have to make monthly repayments, for example. That means that while you top up your tan or explore the globe, your monthly outgoings aren’t affected through equity release. There’s no affordability check either. 
And with a lifetime mortgage, the most popular form of equity release, you can choose how to receive your tax-free cash too. 
A lifetime mortgage is a loan secured against your home, like a traditional mortgage, and the loan, plus roll-up interest, is repaid when you, or the last remaining applicant, either pass away or enter long-term care. 

What's best for you?

If you know you need a fixed amount, a lump sum lifetime mortgage could be the perfect option. However, if you don’t need or want your cash all in one go, you don’t have to take it that way. 
By taking an equity release plan with a drawdown feature, you can take smaller chunks as and when you need it following your initial release. That means you’re only taking what you need, and there’s some left over for the future should you want to use it.  What else do you need to know about equity release?
As well, you can enjoy life knowing things are already taken care of for time to come. At Key, we recommend Equity Release Council approved plans. They offer the no negative equity guarantee, meaning you’ll never owe more than your home’s worth. 
And if you want further assurances, with some plans, you can ring-fence a percentage of your home’s future worth to be left as a guaranteed inheritance for those who mean the most to you.  
If you’re a homeowner over 55, and your property is worth more than £70,000, you could unlock any amount between £10,000 and £100,000, or more through equity release depending on your situation and the lender’s criteria. 

Where does Key come in?

Before you take out equity release, it’s crucial you seek expert independent equity release advice. A provider won’t consider your application without it. It’s a regulatory requirement, too. 
That’s where we come in. 
At Key, we’ve helped more than 1 million people decide if equity release is right for them2. One of our fully qualified equity release advisers will visit you in the comfort of your own home, or if you’d prefer, speak to you over the phone, and talk about your options. 
They’ll find out a little more about you and tell you if they believe equity release is right for you. Rest assured; if it’s not, they’ll tell you. As we’re independent, we’re always 100% on your side. 
If you’re happy and want to go ahead, your adviser will search the whole market to find the most suitable equity release plan for you. Then, if you wish to continue, we’ll handle all the paperwork on your behalf before your tax-free cash is released. You can see your whole equity release journey here.
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  • Like more than 1 million others have with Key2, why not find out if equity release is right for you?   
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What should you consider before taking out equity release?

Our independent, specialist equity release advisers will discuss the options available to you. They’ll explain that taking an equity release plan reduces the value of your estate and may affect any means-tested benefits you’re eligible for.
Key’s 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 advice fee of £1,499 – is payable only on completion.

Could your trip of a lifetime be made possible through equity release?
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  • Find out how much you could release now using our free calculator 
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1Key’s 2019 Q1 Market Monitor

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