Qualified advice from the experts you can trust

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A lifetime mortgage - a loan secured against your home - can only be obtained through a qualified adviser following an in-depth discussion to determine if the product is right for you – including identifying if alternative solutions may be better suited.

If you don’t already have a relationship with a qualified adviser, we can put you in touch with our preferred partner, Key Advice Solutions, who offer honest and bespoke advice related to Standard Life Home Finance’s range of 5-star Defaqto-rated lifetime mortgages.

Who are Key Advice Solutions?

Key Advice Solutions provide specialist, personalised advice on lifetime mortgages and are there to support you throughout your decision-making process. They’re part of Key Group; the UK’s largest equity release and later life finance specialists who have more than 25 years’ experience in helping over-55s with specialist advice and has helped more than 1 million people decide if equity release is right for them.

They’re also rated five stars on Trustpilot from more than 17,000 customers and have won more than 150 industry awards, which is why we’ve chosen to partner with them.

Speak to Key Advice Solutions

Are you ready to speak to an adviser now?

Call 0800 138 2694 to speak to an adviser from Key Advice Solutions. If an adviser is not available you can request a call back.

Not ready to speak an adviser now?

Please complete the form below to receive a call from one of the team at Key Advice Solutions. The initial call will simply be to find out more about you and get you booked in with an adviser at a time that suits you.

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What to expect and important things to consider

1. The first step will be determining if your property and your personal circumstances meet the eligibility criteria for a lifetime mortgage.

    

2. Once you have gone through the eligibility check, you will be assigned a dedicated adviser who can speak to you in person in your home, over the phone or online - whichever you prefer. They will also encourage you to involve family members in this conversation if you wish to do so.

    

3. Your adviser will talk you through how lifetime mortgages work and ensure you have considered other financial options - such as downsizing and other forms of borrowing - and give you all the information you need to make a decision. All Key Advice Solutions’ lifetime mortgage advice relates to Standard Life Home Finance’s lifetime mortgages only.

    

4. There will never be any pressure for you to go ahead. The adviser’s role is to simply ensure you have all the facts so you can make an informed choice. Whether you choose to take advantage of some of your home’s value through a lifetime mortgage or not is always your decision to make in your own time.

    

5. Before you decide, your adviser will explain how a lifetime mortgage will reduce the value of your estate and may affect your entitlement to means-tested benefits. They will also make you aware that your lifetime mortgage is typically repaid through the sale of your property at the end of your plan, which is usually when the last remaining applicant either passes away or moves into long-term residential care.

    

6. Unless you decide to go ahead, Key Advice Solutions’ advice is completely free of charge, as their fixed advice fee of £599 is only payable on completion of a lifetime mortgage product.