Opening Hours

Open at 9:00am on Tuesday

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

What is good advice?
Advice is everywhere.

On the Internet, on TV. Even Bob at no. 62 has some he thinks you should heed.

However, when it comes to big financial decisions, how do you know which advice to follow?

When weighing up the options about how to fund your retirement, it’s important that your unique position, needs and wants are taken into account.

Good advice will help you make the right decision for you.

Equity release has helped thousands of homeowners aged 55 and over get their hands on some of the cash tied up in their property. The tax-free cash they’ve released has given them the opportunity to fund a better retirement. That includes paying off their mortgage or existing debt, travelling, renovating their homes or helping their families.

However, a lifetime mortgage — the most popular form of equity release — is a loan secured against your home and designed to last the rest of your life.

Making a decision like that needs to be given proper consideration.

So, what is good advice?

You can’t release equity from your home without taking advice first. It’s a rule set down by the regulators.

Not all advice is the same. Good advice will be tailored to your specific circumstances. Everyone is different, what works for one won’t always work for someone else. Good advice won’t be biased and will take all your needs and wishes into account.

Ideally, you want advice from an expert. Someone who knows the subject inside-out, can explain it clearly and answer any questions you may have.

And advice should be just that. No one else should make the decision for you. Armed with all the information and all your options, you can then make the right choice.

Why Key is different

At Key, we believe good advice is the best starting point. That’s how we’ve helped more than one million people decide whether equity release is right for them*.

We’re here to explain how equity release works, answer your questions and offer friendly, impartial advice so you can make the right decision. If equity release isn’t right for you, we’ll tell you.

It’s all about you

In your first free face-to-face or telephone appointment with one of our expert equity release advisers, you’ll go through your current financial situation and requirements for equity release.

Prior to your second appointment, bearing your specific circumstances in mind, your independent adviser will search the whole market to find the most suitable plan for you.

They’ll wrap all that information up in an easy-to-understand document and leave it with you during your second appointment, so you can decide in your own time.

There’s no obligation and no rush. We’re here whenever you need us.

Involving your loved ones

It’s important to involve your family in any financial decision that could reduce the value of the inheritance left to them.

That’s why we actively encourage all our customers to invite as many family members to their equity release consultation as they want.

That way, everyone has the full picture of equity release before any decisions are made.

What should you consider before taking out equity release?
Our specialist, independent equity release advisers compare the whole market to find the most suitable equity release plan for you. They’ll discuss all the options available and explain that taking an equity release plan reduces the value of your estate and may affect any means-tested benefits you’re entitled to. Taking expert advice before releasing equity is a regulatory requirement.

With a lifetime mortgage, the most popular form of equity release, 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.
The equity release plans we recommend have a no negative equity guarantee. That means you’ll never owe more than the value of your home.
You should always think carefully before securing a loan against your home.

Key’s initial consultation is free and you have no obligation to proceed. If you decide to go ahead, 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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