• Open until 8:00pm Today
    • 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

For the life in later life

We believe later life is for the opportunities yet to be discovered, the horizons yet to be explored, and the memories yet to be made. Whether you want to clear existing debts, help out family, stay in the home you love or simply boost your retirement finances, our specialist mortgages and advice can help you live the later life you deserve.

Unlock tax-free funds from your home

  • Equity release is the most popular way our customers take control of their finances
  • ​Quickly see how much you could release
  • No obligation to proceed
Calculate now
Couple outside house using a computer at a table

Use our free equity release calculator to see how much you could release

Calculate now

Take control of your later life finances

Equity release

Equity release allows homeowners to unlock tax-free cash from the value of their home. The most common form is a lifetime mortgage, and our range of plans enable you to personalise the features and protections so you could unlock a better later life.


We offer a range of mortgages designed to meet the needs of those 55 or over. Whether you’re looking to remortgage, release additional funds or even buy a new home, we're confident we'll have a retirement interest-only mortgage or capital and interest repayment mortgage that works for you.

Wills & LPAs

Through our wills and lasting powers of attorney, you can take control of your future and beyond, and ensure those around you know exactly what you want. You can take comfort in knowing your affairs are in order and concentrate on enjoying your later life.

Our promise

We take the time to understand your needs before making a recommendation that’s personal to you. We always act in your best interests, and if our later life products aren’t right for you, we’ll tell you.

Find out more about us

Live the later life you want

At Key, we believe your later life should be lived the way you want it. But we understand that means different things for different people, which is why our specialist advice is always personal to you, so you can find the right solution for your needs.

Pay off your existing mortgage and debts

Repay your existing mortgage and debts to give yourself financial peace of mind in later life. For example, with a lifetime mortgage, there are typically no monthly repayments to make, as the loan plus roll up interest is usually repaid when the plan comes to an end, so you can concentrate on what matters most to you.

Help your family when they need it most

With a lifetime mortgage, you could access a portion of your home’s value, tax-free, to help your loved ones now, and still guarantee they’ll get a percentage of its future value when the plan comes to an end with our inheritance protection feature.

Boost your later life finances

Whether you need a cash lump sum or would like smaller amounts over time following an initial release, a Key lifetime mortgage allows you to choose what works for you to help put you in control of your finances.

Stay in the home you love

From transforming your bathroom into a wet room to installing a stair lift, by unlocking tax-free cash with a Key lifetime mortgage, you can make the changes you need to help stay in the home you love for as long as you choose.

What our customers are saying

the whole procedure of dealing with Key was straightforward and thorough. We were told how long to expect it to take and Key kept to their word almost to the day. My wife and I are delighted with the outcome allowing us to more fully enjoy our later years.
colin stone
We couldn't be happier with the service from Key. The initial advice was valuable as we were made completely clear about the advantages and disadvantages of equity release and the product was tailored to our needs. Other professionals involved in the process were very efficient and helpful.
Mrs Wendy Rideout
Everyone we dealt with were very friendly & helpful & everything went through without any problems
Just recently completed our lifetime mortgage with Key, Alex who assisted us with this was helpful and after a few teething problems it was finalised within a few months. Equilaw were recommended and were also very prompt at finalising everything, apart from signing some documents we had little to do which was great for us Thank you we now have...
Sharon r Kennelly
We were very happy with the service. David Lobb made it totally stress free. He kept us informed how things were going and it was a lot quicker than I thought it would be. We have now got the ball rolling with all the improvement's that we are going to make with the house. We may be able to fit in a short break which would be very nice.
Wendy Mcvey

Why Key Later Life Finance?


We have more than 20 years' experience helping over 55s with tailored financial advice on a range of later life products designed specifically to help you unlock some of the wealth tied up in your home and help take control of your finances.


Our expert advisers take the time to understand your needs before making a recommendation that’s personal to you. We always act in your best interests, and if our later life mortgage products aren’t right for you, we’ll tell you.


We'll give you all the information you need to make smart, well-informed decisions about your later life finances in your own time. And if you choose to go ahead, your personal case handler will support you throughout the process, answering any questions and overseeing all the paperwork.

You're in safe hands

All of our plans meet the Equity Release Council standards.

With our plans:

  • You have the right to remain in your home for as long as you choose, or until you move into full time residential care
  • You have the freedom to move to another property without financial penalty (subject to criteria)
  • You will never owe more than the value of your home with the no negative equity guarantee

Key are proudly rated 5 stars on Trustpilot by over 16,000 of our customers

Get a free jubilee hamper

Get a free jubilee hamper when you book and attend a no-obligation equity release appointment with Key between 25 April and 25 May 2022 - see terms.

Here to help when you're ready

Use our free calculator

Find out how much tax-free cash you could release from your home now with our equity release calculator

Speak to an adviser

Book an appointment with a specialist equity release adviser at a time that's good for you

Not sure what product is right for you?

To release equity from your home, this typically involves taking out a form of mortgage product. Our later life mortgage finder helps you consider your options

You can also request your free, comprehensive guide to equity release and find out if it's right for you by clicking here.

Free online later life lending event for over 55s

  • Join this online event on Thursday 26 May at 10:30am
  • Hear from our customers on how releasing equity has helped them in later life
  • Learn how you could release funds, things you should consider and ask questions privately to an expert adviser during the event
Register now


You can also request your free, comprehensive guide to equity release and find out if it's right for you by clicking here.

Things to consider 

Equity release – lifetime mortgages

  • If you are considering equity release we recommend that you read through 'is equity release right for you?'
  • Key Equity Release offer lifetime mortgages only, which is a loan secured against your home. Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits.
  • You should always think carefully before securing a loan against your home
  • All our equity release advice relates to our range of Key branded products only, and our fixed advice fee of £599 is only payable on completion.

Later life mortgages

  • A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. You should always think carefully before securing a loan against your property
  • For retirement mortgage products, we charge an advice fee of 1.99% of the amount released, subject to a minimum of £1,499, usually payable when the mortgage completes.
Page last updated: Monday 09 May 2022