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

Meet your adviser

Our advisers meet thousands of you every year. Tony Palmer is just one of them. This is his story...
 
“That first meeting is all about helping people understand what equity release is and finding out exactly what they want it for. It could be an interest-only mortgage coming to its end, paying off debt, renovating their home, giving money to children.
 
“It’s tremendously satisfying helping those panicking about the future.”
 
Much as I enjoy helping people find the money to live their dreams, it’s tremendously satisfying to help those genuinely panicking about the future. People who don’t have money put away, who are in debt, or who desperately need to update their home.
 
“People want to enjoy the money they’ve worked so hard to earn.”

 
People want to enjoy the money they’ve worked so hard to earn. I had a couple whose dream was to own a campervan. A few months later, they told me their neighbour wanted one too. I think there are about four campervans on that road now. They all go on holidays together. It’s lovely.
 
Another customer was 91 and wanted money for a double hip replacement. I asked why she didn’t get it on the NHS. She replied: ‘At my age, I don’t have the time to go on a waiting list!’ She had the operation and now she’s mobile and living her life. That’s really what it’s all about.”
 
Get set for your first appointment with an adviser with these key tips from Tony:
  • Don’t be nervous. The first meeting is all about helping people to get a real understanding of what equity release is, how the process works and what they want from it. There’s absolutely nothing to be nervous about. 
  • Prepare a list of questions beforehand. This will ensure you don’t forget anything. Really, there’s no such thing as a silly question. 
  • Ask whatever you want It’s important that we address everything you want to know. 
  • Bring a friend, family member or even neighbour to the meeting. We always advise talking equity release through with loved ones or those who know you well before making a decision. 
  • Expect the meeting to last an hour That first meeting normally lasts an hour. After that, you can call your adviser at any time or meet them again. It’s based entirely around whatever suits you. 
If you do decide to go ahead, then we do everything. From filling in the paperwork to suggesting a solicitor, all you really need to do is to have a think about what you want and when you want it. And if equity release is not right for you, we will tell you.

Read how equity release helped John and Kathleen stay in their family home
 
You might want to read Is equity release right for me? 
 
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.
You should always think carefully before securing a loan against your home.


 

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