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Our Address

Key, Baines House,

4 Midgery Court, Fulwood,

Preston, PR2 9ZH

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0808 252 9170

Meet your adviser: Key’s Julie Thompson

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Key’s Julie Thompson has been giving equity release advice for two decades. Much has changed over the years 

“People’s attitudes towards equity release have changed since I first started. They’re using it more for retirement planning. 

You still get the odd few who say, ‘My mate said they’ll take your house off you’, so sometimes people need all the facts to be reassured. The main thing is always making sure it’s right for them and, if it’s not, I tell them. 

It’s a rewarding job helping people. For some, they need equity release to help them out of a desperate situation – debt or financial trouble. For others, it’s the nice things; going to see the kids in Australia or getting a nice car or home extension. 

You can get quite emotionally involved. Most people want to tell you everything and it’s great because I know they trust me, which means I’m doing my job right. They’re like friends in the end. 

Some of my colleagues end up walking away with a bottle of wine as a thank you. I’m the one who always gets something like a cauliflower or a cucumber! I love it though. I never expect anything. It’s my job and that’s rewarding enough.” 

If you’re interested in equity release, or simply want to know more about how you could release tax-free cash from your home, download our free guide here

What should you consider before taking out equity release?
 
Our independent, specialist equity release advisers compare products from the whole of the market to find the most suitable equity release plan for you. They’ll discuss all the options available to you and explain that taking an equity release plan reduces the value of your estate and may affect any means-tested benefits you’re eligible for.
 
With a lifetime mortgage, you’ll still own your home. It’s a loan secured against your home and is repaid when you, or the last surviving applicant, pass away or move into long-term care. 
 
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. 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 of £1,499 – is payable only on completion.

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