Lifetime Mortgages

Release equity without the need for monthly repayments

Use your home to access extra money - no need to sell or move

A lifetime mortgage frees up some of the wealth tied up in your home, allowing you to continue living there, as it doesn’t need repaying until you go into long-term care or die.

Interest is charged on what you have borrowed and your home is then sold and the money used to pay off the loan.

Why choose MortgageKey for Lifetime Mortgages

Free and friendly advice

There are no obligations or fees for consulting our experts

Easy and stress-free

We pride ourselves on taking away the stress and fear of financial planning

Award-winning expertise

We’ve been recognised for our fantastic range of products and great relationships with lenders

Our Negative Equity Guarantee

Our guarantee prevents you from ever owing more than your home is worth

Award-winning mortgage and loans experts – ready to help you today

Our team of specialists will guide you through the process of securing a mortgage, buying a home or taking out a loan – finding the very best deals for you and your family.

Mortgage & Loan Guides

Read our experts’ latest advice on a wide range of mortgage options to the tax implications of buying properties to let.

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Infographics

Making mortgages and loans simpler to understand is our key skill, and our infographics do just that!

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Hear from our Clients

Don’t just take our word for it, hear from our happy clients who we have helped through the mortgages and loans process.

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THINK CAREFULLY BEFORE SECURING DEBTS AGAINST YOUR PROPERTY.

YOUR HOME MAYBE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR REPAYMENTS.

Representative APRC 3.5% Variable

Representative Example: Annual Interest rate of 2.44% fixed for 2 Years followed by 3.59% for the remaining term. Representative 3.50% APRC Variable. Based on borrowing of 150,000 over 17 years repayments of £899 per month. Total amount repayable £198,466. Includes Lender Fee of £995 and Broker Fee of £695.

What our clients are saying

  • I will not use anybody else In the future, Karl has helped me every step of the way and hopefully mortgage will all be finalised soon
    Steven Ross
  • Tracy is a star.
    Roger Evans
  • Excellent service! Quickly provided a very good offer after assessing our circumstances. After that the process was pretty smooth, and we had the conf...
    customer
  • I cannot thank mortgagekey and Jamie Melling enough for sorting out my remortgage, very helpful and kept me informed all the way through the process, ...
    customer
  • Everything was run smoothly in a professionally and organised manner. Very efficient in answering any query. I was updated on each step. 5* service.
    Regina Mugo
  • Mortgagekey were excellent from initial enquiry through to securing mortgage offer for our dream house. We had imperfect credit history, yet we got a...
    Frank Carter
  • As a first time buyer - with a below-average credit score I was really unsure if I would even be able to get a mortgage. Jamie Melling & Lee Harriso...
    Lesley
  • excellent severice thx
    Mohammed Yasin
  • From my enquiry and prompt call back, Zoe clearly understood our requirements and was very patient, personable and friendly. It was made clear who wo...
    Nicola Breen
  • I have used Mortgage Key twice in the last two years and they have been excellent. Open and honest communication at all times.
    MJE
  • Exceptionally helpful with some complex circumstances. They were fast, efficient, polite and friendly whilst recommending a suitable product that suit...
    Jayne G
  • extremely helpful.nothing too much trouble.happy to discuss a number of options,but did not push anything.finished up with exactly what we needed at t...
    MR C RIXON
  • So helpful, when I thought all hope was lost while trying to remortgage my home in my own name after divorce Mortgagekey were able to help. Communicat...
    Lynsey
  • Nathan and the team have been fantastic with my remortgage. Nathan was clear and explained everything thoroughly and the team kept me updated through ...
    AMANDA Wilding
  • Jamie and Danielle were fantastic. We were told by a local mortgage broker we would never get a mortgage with a bank and got us an AIP for 3.9%, went ...
    Jodie
  • I needed a mortgage quickly and mortgage key did the job. They were efficient and speedy. I was sorted within two weeks. All of their communication wa...
    Mr David Goodlet
  • Laura Hulme was extremely helpful, right from the initial phone call of enquiry, and she very helpfully talked me through each stage of the mortgage ...
    Iain McKenzie
  • These are hands down the best mortgage brokers out there. Can’t say enough good things.
    Callum Dixon
  • The whole mortgaging process, in general, went smoothly. Any issues were quickly resolved. Staff were professional, polite, and responsive, especially...
    J Man
  • I would highly recommend Mortgagekey ! Contacted Mortgagekey online to remortgage my home and got a speedy reply call. He gave me lots of options and...
    Amanda

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