Equity release advice for cardiac patients

As part of our commitment to providing the best service to people living with a heart condition, we've teamed up with Key Retirement Solutions the UK's number 1 independent equity release specialist to offer a first class advice service to anyone considering releasing cash from their home.

If you’re over 55 and looking for ways of easing the pressure on your finances or simply want to improve your quality of life, equity release could be the answer. Plus, preferential terms may be available for you as a cardiac patient. With so many equity release plans available, some of which take account of your health in the terms offered, your health could actually enable you to release higher cash amounts or benefit from improved rates.

Release tax-free cash from your home for a more comfortable life

You can spend the tax-free cash released through an equity release plan in any way you choose - holidays, home improvements, help a family member or simply to ease the pressure on day to day living costs. There are no monthly repayments and you have the peace of mind that you can stay in your home for life.

Find out how much you can release

Click on our equity release calculator to see how much equity you could release.

How much you can release depends on a number of factors such as your age, your health, the kind of equity release plan you choose and how much your home is worth. See how much you could release now!

Always seek specialist independent advice

An equity release plan is an important financial commitment, therefore it is paramount you obtain specialist advice. You need to be absolutely sure before you go ahead and most importantly, you must be confident that you have made the right choice for your needs. A truly independent adviser, like our partner, Key, will do this for you.

Key will offer you a free, no obligation initial consultation in the comfort of your own home, where you can learn more about equity release and ask any questions you may have. Give Key a call today on 0800 331 7722

Your personal adviser will:

• Tell you how much cash you could release
• Explain the pros and cons of the different types of plan
• Explain how the value of your estate will be reduced
• Offer you the choice of lifetime mortgages, home reversions or drawdown plans, and the option of a tax-free cash lump sum or a regular income
• Tell you if it's not right for you and suggest alternative options

After taking the time to get to know you and your wishes, your adviser will then search the whole equity release market to find the best plan for you and work out any effect on your state benefits to find the best solution for you.

Safety assured…
Key recommend plans approved by Safe Home Income Plans (SHIP), which guarantee you will never fall into negative equity, can stay in your home for life and can move home if you wish (subject to criteria). Furthermore, Key also have access to exclusive offers such as cashback deals, low interest rates, free surveys etc from leading plan providers that you will not get anywhere else. These could help you save your estate thousands of pounds in the future.

What Key's customers say…

"Our adviser explained things very clearly and was very easy to talk to. I felt like we were talking to a friend."
Mrs A Orbinson

"I can't speak highly enough of the whole Key team, nothing was too much trouble and they were always ready to reassure me on any details that worried me."
Mrs B Ireland

What will it cost me?

Key charge a fee for finding the right equity release plan for you. This fee is typically 1.65% of the amount released; money well spent when you consider the considerable savings that can be made by choosing the right plan.

What’s more this fee is only payable upon completion of an equity release plan and can be paid out of the amount advanced.

This service also raises valuable revenue for British Cardiac Patients Association as a percentage of any income earned by Key will be given to the charity at no additional cost to you.

This is an equity release plan. To understand the features and risks, ask for a personalised illustration

Take your first step to financial freedom. Find out if Key can help you get the best value plan for you by calling 0800 331 7722, or email bcpa@keyrs.co.uk for more information and a copy of Key’s equity release guide.

Representatives of the British Cardiac Patients Association are not authorised by British Cardiac Patients Association to give advice or a personal recommendation in respect of equity release.

British Cardiac Patients Association act as introducers only to Key Retirement Solutions. Key Retirement Solutions is authorised and regulated by the Financial Services Authority.

Key Retirement Solutions Limited. Registered in England No. 2457440. Registered Office: Harbour House, Portway, Preston, Lancashire, PR2 2PR. Telephone 08451 655955 Facsimile 0845 12 555 13.