
- Remove tax-free money from your home with Key Solutions Lifetime Mortgages
- Use the money for a motorhome or a new car
- Free valuation
- No product fees
- No early repayment charges
- 4.09% Fixed for life
- No lender fees
- Continue to live in your own house
- Make no monthly payments or pay interest only each month
Personal Testimonials

William from Birmingham
My son knew a guy who owned six pubs. Because of successive lockdowns due to the COVID-19 coronavirus, he had to sell his holiday home in Cornwall quickly.
My equity release money bought his flat at 35% under market value. Not only does my family have the shared use of a holiday home, but the rental income is also much more than the interest on the equity release.

Mrs Heart from Aberdeen
I was struggling to pay my mortgage and had no money left for emergencies at the end of the month, let alone saving for a holiday. I had investigated home reversion plans, but they did not appear to be the right solution.
Equity Release for older borrowers with no monthly repayments was precisely what I wanted, and the interest rate was very low.
I was able to pay off my mortgage. I live in an area where house prices are going up nicely, so keeping 100% ownership of my home is wise. I am confident that my house price appreciation will be much bigger than my roll-up interest.

Mrs Yardly from Sheffield
I had an old, tired car and an unreliable central heating system. Repair bills continually mounted up, meaning I had less money to spend on holidays and other lovely things. A friend said I should consider equity release, but I was put off by the horror stories of the roll-up/compounded interest destroying people’s homes.
When I did my own homework, I found that in the 2025 equity release, interest rates were very low, and the negative press focused on people who had been ripped off with high rates in the past.
Even if my house price only increased slightly, the roll-up interest would be covered. The equity release enabled me to get a nice 3-year-old car and a new boiler, so I was not wasting money all the time on repairs!

Mr Howarth from Leeds
I am healthy and have a good income from my pensions for later life. I decided to release money from my unencumbered home with a retirement interest-only mortgage (RIO mortgage), so I could get a new kitchen and bathroom and give money to my children so they could move house and buy bigger homes.
I had no problems with a minimum or maximum age requirement or affordability. The interest rate was very low like a prime conventional mortgage from a bank or building society. The monthly payment was tiny compared with the rest of my outgoings. The whole process was authorised and regulated by the finance conduct authority.

Mr Shaw from Bradford
I thought I would have to sell my home to repay my mortgage as the bank wanted their money back. With the money left, I could only afford a flat and would have been further away from my daughter and her children. Downsizing was a bad idea for me.
My lifetime mortgage was ideal for me as I had no monthly repayments, and I paid off my old mortgage. I saved the cost of moving to a new flat where I would pay to move to a place I did not want. The no negative equity guarantee and equity release council assurances were fundamental to me. I am better off each month and have some tax-free cash ready if repairs to the house are necessary.




It’s very common to find individuals searching for lifetime mortgages with flexible drawdown cash release, interest-only lifetime mortgages, or monthly payment lifetime mortgages. However, Legal and General, like Royal London Equity Release, are keen to see paperwork showing your situation in the form of investment statements.
How much is it common to release from a home
The more elderly you are and then the more illnesses you have you are, the more tax-free cash you can release

Equity Release Providers
- More to Life
- Pure Retirement
- LV lifetime mortgage
- The Exeter Equity Release
Equity Release LTV Percentages
- 55% monthly payment equity release The Exeter Equity Release
- 40% loan to value (LTV) monthly payment lifetime mortgage Pure Retirement
- 25% loan to value home reversion schemes United Trust Bank
- 70% Key Solutions Lifetime Mortgages
- 30% loan to value (LTV) monthly payment equity release Evolution Money
The lender will want to know if the property is a Detached freehold house or a Leasehold flat with a share of freehold and if the occupier is an AST Tenant.
Nationwide Mortgages For those Over 65s
Metrobank Equity Release
Do Key Solutions offer Equity Release?
Yes, Key Solutions Equity Release is 2.17% APRC.
Equity Release Yorkshire Building Society YBS
Metrobank Lifetime Mortgage
Which? Equity Release Scheme
Yorkshire Bank Equity Release Scheme
Do Key Solutions offer Pensioner Mortgages?
Yes, Key Solutions Pensioner Mortgages are 1.94% MER.
YB-Yorkshire Bank Lifetime Mortgage
Which? Money Lifetime Mortgage
Legal & General Lifetime Mortgage
Lenders for Equity Release similar to Key Solutions Lifetime Mortgages
It’s very common to find people looking for home reversion schemes, monthly payment lifetime mortgage or monthly payment equity release; however, Legal and General, like Royal London Equity Release, are eager to see paperwork to show your circumstances in the form of pension statements.
- Lifetime Mortgages for Pensioners
- Just retirement equity release key features
- NatWest Interest Only Lifetime Mortgage
- Hodge Lifetime Mortgage Plus
- Liverpool Victoria LV= Lump-Sum Plus Lifetime Mortgage
- Stonehaven Equity Release
- HSBC Equity Release Schemes
- Royal Bank of Scotland Lifetime Mortgage
Do Key Solutions offer a retirement remortgage for homeowners over 60?
Key Solutions retirement remortgages for over 60s are a 3.42% MER variable rate.
Do Key Solutions offer a pensioner remortgage for retired homeowners over 60?
Yes, Key Solutions pensioner remortgages for the over 60s are 3.32% MER fixed.
Do Key Solutions do a later-life remortgage for people over 60?
Key Solutions’ later life remortgages for the over 60s are 3.46% MER fixed for life.
Do Key Solutions offer the best remortgage for retired over 60?
Yes, Key Solutions, the best remortgage for people in their over 60s is 3.43% APR fixed for life.
- More to Life Capital Choice Plan
- Canada Life Landlord Voluntary Select Plan
- Hodge Equity Release Plans
- Key Solutions Lifetime Mortgages
- Liverpool Victoria LV Equity Release Schemes
- Bridgewater Equity Release Schemes
- HSBC Lifetime Mortgage
- Barclays Equity Release Schemes
Disadvantages of Key Solutions Lifetime Mortgages
Key Solutions Lifetime Mortgages can reduce the inheritance for your family. Home reversion schemes may impact entitlements to state benefits. You may need to pay a valuation fee, and you could have higher rates to pay with some plans.
Do Key Solutions offer Retirement Mortgages?
Yes, Key Solutions Retirement Mortgages are 2.04% MER.

Do Key Solutions offer Equity Release Under 55?
Yes, Key Solutions Equity Release Under 55 is 1.89% MER.
Do Key Solutions have a remortgaging option for people over 60?
Yes, Key Solutions remortgaging options for the over 60s are 3.65% AER variable.
Do Key Solutions offer mortgage calculators for those in their 60s?
Yes, a Key Solutions mortgage calculator for homeowners over 60 will show a 3.68% MER fixed.
Do Key Solutions do RIO mortgages for people over 60?
Yes, a Key Solutions RIO mortgage for the over 60s is 3.2% APRC fixed.
Does Key Solutions have a retirement interest-only mortgage for people over 60?
Yes, Key Solutions retirement interest-only mortgages for the over 60s are 3.96% AER fixed.
Uses of Key Solutions Lifetime Mortgages
Interest rates can be attractive and often used to manage inheritance tax bills. Use the money to keep another family member away from a high LTV mortgage or pay down your debts, giving you more monthly disposable income.
- Secured Loans UK Direct Lenders
- Secured Loans Bad Credit Direct Lender
- Norwich Union Equity Release Plans
- Liverpool Victoria Lve Lv Lifetime Mortgage No Payments
- Halifax Interest Only Lifetime Mortgages 2025
- Natwest Equity Release Advice
- 5-Year Mortgage Rates Uk
- More to Life Lifetime Mortgage Over 55
- Crown Equity Release
- Natwest Lifetime Mortgage Buy To Let
- Lv Equity Release From Property – Updated For January 2025
- Interest Only Mortgages For Over 60S
- Key Retirement Solutions Equity Release On Second Homes
- Halifax Lifetime Mortgages
- Prudential Lifetime Mortgage Maximum Ltv
- RIO mortgages in Northern Ireland Advice
- Loan For Buy To Let Deposit
- Barclays Retirement Mortgage Interest Only
- Commercial Remortgage Rates Comparison
- Stonehaven Lifetime Mortgage Drawdown Scheme
- Can I Remortgage With a Bad Credit History
- Nationwide Retirement Mortgage Rates 2025
- Liverpool Victoria Lv Lifetime Mortgage Advisers
- Kent Reliance RIO Mortgage rates 20254
- Norwich Union Lifetime Mortgage Drawdown Scheme
- Semi Commercial Mortgage Rates
- Equity Release Mortgage Under 55
- More to Life Equity Release Scheme
- Bridging Finance London 90%
- Prudential Equity Release
- Lloyd’s Over 55
https://www.ksmortgages.co.uk/lifetime-mortgages/
Do Key Solutions do Lifetime Mortgages?
Yes, Key Solutions does lifetime mortgages at 2.04% APR. Key Solutions Lifetime Mortgages can have a loan to value (ltv) of 75% – Updated For January 2025.