Key Equity Release (Dec 2021)

Key Lifetime Mortgage Review

Contributors: Nicola Date, Katherine Read. Edited by Rachel Wait & Reviewed by Francis Hui

Are You Considering Key Equity Release? What are the Pros, Cons & Costs? Discover If Key Lifetime Mortgage Schemes are for You.

Before You Start Reading...

Let's See How Much You Can Release 👇


Equity Release Calculator

Value of Your Home?


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Key Review

I think you’ll agree with me when I say:

It’s REALLY hard to choose the best equity release provider with all the choices available.

Or is it?

Is Key equity release the best?

The companies we profile, are the best in the business to help you unlock the cash tied into your home.

We’re here to help you:
Let’s find out NOW!

As experts in the equity release field (we’ve reviewed more than 250 schemes!), we’ve combed the market, researched all equity release service providers and narrowed it down to who’s on top.

Is Key the ideal equity release loan company to assist you and your family?

What’s Equity Release?

An equity release mortgage is, in a nutshell, a loan plus interest that is paid back to the lender when the homeowner passes away or goes into permanent care. The homeowner’s family usually pays back the cash released, and the interest incurred, from the sale of the home in question.

Learn More: What’s Equity Release?

How Does Equity Release Work?

Equity release is available for individuals or couples over the age of 55, with the youngest homeowner’s age determining the amount of equity that can be released. It is important to note that some equity release schemes may require the homeowner to be 60 or older.

Learn More: How Does Equity Release Work?

We’ve summed up the most important information about the topic in this quick video.

What About the Key Equity Release Calculator?

Before you consider using the Key calculator, please take note.

Our providers can almost always match & BEAT any existing equity release quote that you find through Key. So first use this calculator below & see how much you can release.

How Much Can You Release?

Use the FREE Calculator 👇


Equity Release Calculator

Value of Your Home?


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It's VERY FAST and, takes just 8 seconds

Key Reviews & Ratings

Key Equity Release Complaints

If you’re unhappy with Key and would like to make a complaint, you can call them, send a letter, or contact them via email. Your complaint must include your name and address, plan number (if relevant), and details of your complaint or feedback. Key is committed to acknowledging complaints, investigating the issue, and dealing with it where applicable.

Are Key Equity Release Any Good?

Key Equity Release is considered to be an excellent company by most customers, with a 4.8 rating on Trustpilot.

Here’s what Shelly had to say: ‘My husband and I were about to retire and we want to plan home improvements but because of not enough money we were not a little bit confused. My family friend who is now retired and traveling with his wife to another place told me that I should try Key retirement equity release for the solution. After that, I talked with the company and asked about the details. not just that, they told me to fill in some required details and information. They really helped me and my husband to make our home better and as according to us without compromising with anything.’

What Are Key Equity Release Interest Rates?

Key equity release interest rates are usually fixed annual rates of 3.52% or lower. The overall cost for comparison is 3.69% APR*. *Lowest available rate correct as of Dec 2021.


Editor’s Rating: 4.88


  • You get access to the equity tied up in your house while retaining full ownership of the property
  • You can choose to access all equity up front, or access it as and when you want


  • Your personal situation and lifestyle can influence how much you can borrow
  • Interest will compound quickly over time, and is subtracted from the value of your house when you sell

Key Retirement Solutions Limited

Key Retirement Group reveals its new brand and positioning, becoming Key Group. The company’s new logo and approach were created in collaboration with Start Design to reflect and endorse its refreshed growth ambitions as well as improved key advice for equity release, lending, distribution, and training services.

Start Design directed an intensive strategic phase to rebrand the Group, which comprises the UK’s largest later-life advisor (Key), one of the country’s most popular referral services (Key Partnerships equity Release), one of the country’s largest equity release lenders (more2life) and one of its best industry support services (AiR Group).


Who Owns Key Equity Release?

Key retirement equity release solutions is owned by Partners Group. Phoenix Equity Group sold Key Retirement Solutions Ltd to the global private markets investment manager for £208 million.

Key's Equity Release Plans & Lifetime Mortgage Schemes

Are you looking for a specific equity release scheme? These are some of the schemes offered or covered by Key.
  • No Schemes Listed Yet

Not what you're looking for?

Have a look at all the equity release schemes available on the market, with our easy-to-use table or compare the equity release rates!

Who Are Key?

Key Equity Release, formerly known as Home Income Gold, was established in 1998 and specialised in home income schemes. In 2001, it began focusing solely on equity release advice.1 

Key believes that your retirement should be tailored to your specific needs. It recognises that what is best for you in retirement may not be the best for others.

That’s why Key spends time getting to know you and your requirements. Its services help you take control of your finances – and your life – by releasing equity and preparing key legal papers such as your Will.

It provides experienced counsel to the over 55s that can be relied on. Key has also assisted over one million individuals in determining if equity release is good for them, and it is unstoppable in its pursuit of meeting consumers’ evolving retirement demands.

Key is an expert in a variety of retirement products. These are some of them:

  • Equity release
  • Wills
  • Lasting Powers of Attorney (LPAs)
  • Estate planning
  • Mortgages
  • Annuities
  • Retirement tips

FCA Address

Baines House
4 Midgery Court
PR2 9ZHP R 2 9 Z H

Trading Names

  • Mortgage Advice Bureau Later Life
  • MAB Later Life
  • MAB LL
  • Key Partnerships
  • The Equity Release Experts
  • Key
  • Key Equity Release
  • Key Retirement
  • Key Retirement Solutions Annuity Service
  • Key Retirement Solutions Limited

FCA Permitted Services

  • Consumer Credit
  • Mortgage & Home Finance


  • Financial Conduct Authority
  • Financial Services Authority

Registration Numbers

  • FCA Ref Number: 224987
  • FCA Reg Number: 2457440
FCA Link: FCA Link

Key Info

Got Questions About Key& Lifetime Mortgages? Check These First

Is Key A Member of the Equity Release Council?

What Are Key's Interest Rates?

Who Owns Key Equity?

Where is Key Located?

Before You Go...

Let's See How Much You Can Release 👇


Equity Release Calculator

Value of Your Home?


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🔒 100% Secure & Fast. Takes Just 8 Seconds.

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If you’re anything like us, you skipped to the end anyway.

So here’s the scoop – our intention is to help you by finding the best lifetime mortgage so that you can spend the money on something that you really want, rather than on a high tax bill.

Editorial Note: This content has been independently collected by the SovereignBoss advisor team and is offered on a non-advised basis. Sovereignboss may earn a commission on sales made from partner links on this page, but that doesn’t affect our editors’ opinions or evaluations. Learn more about our editorial guidelines.

rachel w

Rachel Wait
Personal Finance Journalist

Rachel is an experienced finance journalist and editor with a particular interest in personal finance and consumer affairs. She has vast experience writing about money issues, property, insurance, and consumer affairs, and you’ll find her articles regularly featured in top media and newspaper publications.
john lawson profile.jpg

Written by
John Lawson
Founder SovereignBoss

John is passionate about education and has made it his life-long mission to assist UK citizens on their future financial options, with a specialist interest in equity release, and SovereignBoss is the natural extension of this passion.

Reviewed by
Francis Hui
Senior Risk Manager

Having held various high-level roles across the industry, Francis is truly an expert in aiding UK citizens in their financial decisions and risk analysis. His unique insight and statistical knowledge make him the perfect person to help you take your financial future to the next level.
kath icon

Katherine Read
Consumer Affairs Writer

Since joining the editorial team at SovereignBoss, Katherine has become focused on bringing transparency to finances and opportunities for those approaching retirement age. She writes on the topics of equity release, home reversion, and mortgages.

Nicola Date
Writer & Journalist

Nicola is a financial writer for SovereignBoss and is passionate about the opportunities that equity release can open up for homeowners. Her extensive business experience and deep understanding of the industry means that she’s always up-to-date with the latest developments.

See How Much You Can Release 👇

Use the QUICK form below.


Equity Release Calculator

Value of Your Home?


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🔒 100% Secure & Fast. Takes Just 8 Seconds.

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