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ADVERTISEMENT FEATURE FREE CHRISTMAS HAMPER Book and attend a free no-obligation consultation with a specialist adviser fromKey Equity Release, between 4th November and 14thDecember 2019 to receive your free Christmas hamper. For over 20 years, Key’s trusted, award-winning service has helped over 1 million people decide whether equity release is right for them. We’ll always guide you through the options available to you and, if equity release isn’t right for you, we’ll tell you. There’s no pressure to go ahead. Your adviser will give you all the information you need about equity release for you to make an informed decision, in your own time. All of our advice is completely free of charge. Why choose Key? FREE ADVICE I f it is, our fully quali�ed, specialist equity release advisers take the time to understand your needs, ensuring they recommend the right plan for you. We’ll search the product range we have expertly created, guided by Key’s 20 years’ experience as one of themarket leaders and their unique insight from helping over 1 million people decide if Equity Release is right for them. You can be con�dent we’ll �nd a plan that suits you – and we will never charge a fee for our advice. Who can take out equity release? There are no a�ordability checks to consider with equity release, so if you are over 55 and have a property worth over £70,000, you may be able to take out equity release. Do I still own my own home? Yes. With our plans you will always own your own home, plus all our plans are approved by the Equity Release Council and come with the no negative equity guarantee, meaning you’ll never owe more than your home’s worth. Can we still leave our children an inheritance? Yes . With some Key Equity Release plans you can guarantee a set percentage of your home’s future value for you to pass on in your will. What else should I consider? You should always think carefully before securing a loan against your home. Equity release will reduce the value of your estate and may a�ect your entitlement to means-tested bene�ts. Taking out an equity release plan is a big step, so Key Equity Release always encourages people to discuss plans with family. Key Equity Release plans involve a lifetime mortgage, the most popular form of equity release, this is a loan secured against your home. Are there any monthly repayments? No, with Key Equity Release plans there is no need to make monthly repayments, unless you want to, as the loan plus roll-up interest is repaid when you pass away or enter long- term care. How could equity release help me? • It can pay for home or garden improvements, readying your home for later life. • Clear existing credit cards or debts or pay o� an existing mortgage. • Ease money worries, giving you a boost to your retirement �nances. • Help loved ones with a �nancial gift. • Realise your dreams – from travel to new cars or other treats. If you’re over 55, equity release could be a way of unlocking some of the tax-free cash that’s tied up in your home, but the �rst thing to work out is whether equity release is actually right for you – if it isn’t, we’ll tell you...     How to help fund a better retirement CALL FREE 0800 953 3788 Find the answers to your questions in our FREE guide to unlocking the cash from your home. 14,750 Mon to Thurs 9.00am – 8.00pm, Fri 9.00am – 5.30pm, Sat 9.00am –5.00pm or to �nd out howmuch you could release, visit keyadvice.co.uk/calculator