Equity release mortgages
If you’re over 55 and own your home, equity release lets you unlock some of the money tied up in it without having to move. It could help you boost your retirement income, make home improvements, or even pay for your children’s dream wedding. However you choose to use it, we’ll explain how it works, what to consider, and whether it’s the right option for you.
Keeping it simple, Equity Release with KeyFS
Helping you understand how to access money from your home, safely and simply.
With equity release, you’ll still own your home, and the money you unlock is yours to use however you like, whether that’s topping up your retirement income, helping family, or simply enjoying life a little more.
We know it’s a big decision, and that’s why we’re here to offer clear, honest advice. We’ll guide you through how it works, what it means for you and your loved ones, and whether it’s the right fit for your future.
As a fully authorised firm regulated by the Financial Conduct Authority, you can have peace of mind knowing you're in safe hands.
Take your time, and when you’re ready, we’d be happy to chat things through.
Call today to book a free equity release consultation 024 7632 2000
How they work?
Later life mortgages let you release some of the value tied up in your home, while still owning and living in it. The amount you can borrow depends on your age, the value of your property, and your overall circumstances.
There are two main types — lifetime mortgages, where the interest can roll up and is usually repaid when your home is sold, and retirement interest-only (RIO) mortgages, where you pay the interest each month to keep the balance steady.
Both options give you flexibility, whether you want to free up funds for home improvements, top up your retirement income, or help your family financially. At KeyFS, we’ll talk you through what’s involved, how each option affects your estate, and help you choose the right path for your plans and peace of mind.
Let's have a coffee and a chat...
From our first chat to the day your plan completes, you’ll have a dedicated adviser who understands your needs and keeps everything simple and stress-free.
You’re in safe hands
At KeyFS, we believe that later life borrowing should always be clear, fair, and fully understood. That’s why we follow the strict standards set by the Equity Release Council, the body that safeguards homeowners considering equity release.
As part of the Finance Planning Group, we’re committed to providing advice that puts your needs first - with full transparency on costs, risks, and benefits. You’ll always receive personalised recommendations, clear explanations in plain English, and the confidence of knowing that every product we recommend meets the Council’s protections and safeguards.
With our guidance, you can make informed decisions about your future - safely, responsibly, and with complete peace of mind.
Frequently asked questions...
The reason Paul and the team at KeyFS have built an award-winning, five-star reputation is simple - they give clear, balanced advice that’s easy to understand. There’s no hard sell, no jargon, and no pressure.
Just honest guidance from people who genuinely care about helping you make the right choice. Every recommendation is based on what’s best for you and your personal circumstances, so you can move forward with complete confidence. Here are the advanatges and disadvantages of some terms you may be familar with.
Equity release is fully regulated by the Financial Conduct Authority. When arranged through an adviser like us, it is protected by clear rules, proper advice, and peace of mind.
As proud members of the Equity Release Council, we follow strict standards designed to protect you. That means you’ll have the right to stay in your home for life, a no-negative-equity guarantee to protect your family, and access to clear, personalised advice. All plans must meet the Council’s product standards, giving you flexible features and added peace of mind that you’re being looked after by a company that puts your best interests first.
You must be at least 55 and own a property in the UK. The amount you can release depends on your age and the value of your home.
The money you release is yours to spend. Some people use it to top up their retirement income, make home improvements, help family, or simply enjoy life a little more.
Whilst you might choose not to make any monthly payments, all products will have a facility to make some repayments, if you wish. In fact, simply servicing the interest payments will ensure your amount borrowed doesn’t increase.
A Lifetime Mortgage doesn’t mean giving up ownership. You stay in your home for as long as you choose, and the plan only ends when you pass away or move into long-term care.
Let's talk...
Your enquiry will be handled by a fully qualified local mortgage and protection adviser, who will be available to speak with you at any time.
Contact us
Why not start things off by answering these 4 quick questions? We’ll then share some useful insights with you, and when the time feels right you can chat with one of our advisers for more personalised guidance.