With you every step of the way
Key Equity Release’s advisers are there to help you decide if equity release is right for you
Sometimes all you need is a little reassurance that you’re making the right decision. And when it comes to your finances, that couldn’t be more true. It’s why so many people choose to speak to a financial adviser when it comes to buying their first home, saving for their retirement or investing their pension.
It stands to reason that you’ll want to be sure you’re getting personal and honest advice if you’re thinking about releasing equity from your home – most likely, your biggest financial asset.
That’s why you cannot release money from your home without first talking to a specialist equity release adviser. Key is regulated by the Financial Conduct Authority (FCA), and all of their advisers are fully qualified. If they think that equity release isn’t right for you, they’ll tell you. If they think that Key could help you find a more flexible financial future with the help of equity release, then they’ll recommend the right plan from their wide range for you and your circumstances.
What happens next?
Key want to support you every step of the way. If you’re interested in finding out more, a specialist will answer initial questions you might have and arrange a consultation for you at your home with a local, expert equity release adviser.
Your dedicated adviser will ensure you consider the options available and find out more about your particular circumstances and requirements. They encourage you to discuss equity release with your family and invite them to appointments so they can answer their questions, too.
There’s absolutely no pressure to go ahead, but, should you decide to proceed, your adviser will search Key’s range of plans to find the most suitable one for you. Then you can talk through the details and your adviser will answer any questions you may have. Key will also provide a personalised illustration, so you can see what taking out a plan will mean to you.
If you think it’s what you want to do, Key will submit the paperwork and your property will be valued by an independent surveyor. Then you’ll receive a formal offer, including the full terms and conditions of your plan, for your approval. Key ensure that all their clients talk to an independent solicitor who will act in your best interests and cover the legal aspects. Although a timescale cannot be guaranteed, it typically takes between six and 12 weeks from application to completion.
Key Equity Release plans offer a range of features and benefits, including competitive rates, high loan amounts and flexible features such as inheritance
Their adviser visited twice to make sure we were totally happy with the details. No fuss or hassle – it was easy DAVID, TRUSTPILOT
protection, which guarantees a set percentage of your home’s future value to be passed on to your loved ones. Whatever your needs, they’ve got you covered.
Key have helped more than one million people over the past 20 years, and it’s given them an understanding of what works for each individual. That’s why they’ve designed a range of plans tHAt OffEr DIffErENt FEAturEs, depending on your circumstances. Even better, they never charge you a fee for their advice.
It’s possible to release a lump sum or an initial amount followed by additional money that you can draw down if you need in the future. You’ll only pay interest on the money you’ve accessed.
With a Key Equity Release lifetime mortgage, they can also guarantee a plan with no monthly repayments, as the loan plus roll-up interest is repaid when the plan comes to an end. This allows you to spend your income on the things that matter to you.