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Zena Gardner

Age 71 – Occupation Retired – Product choice Equity release

"I am 71 and desperately wanted to retire, as I was still working and had a mortgage."

"I’m a regular reader of Yours Magazine and I always read in there about Key Retirement and equity release and thought that it sounded an excellent idea. I had been considering equity release for about six months when I decided to contact Key.

"I am 71 and desperately wanted to retire as I was still working and had a mortgage. I called the number in the magazine and then I booked an appointment. Sarah Jane, my local adviser, came to visit me and it was very interesting.

"It was Sarah Jane who told me about a drawdown lifetime mortgage. She explained all the products to me including drawdown and explained to me that I was able to pay off my existing mortgage and not make regular payments (as interest is added to the loan amount, rolls up and will be repaid when the plan comes to an end), which I agreed was best.

"Having equity release has meant that I can pay off my existing mortgage and bills without having to worry. I got an initial cash lump sum which was great because I’m still in control of my money.

"I am going to Australia to visit my nephew at Christmas. Retirement is such a pleasure!

"Drawdown suited my needs perfectly. I did find it beneficial that I could save money by only starting to pay interest on the money I withdraw.

"My overall experience was very positive, friendly but professional. I fully understood everything that my adviser said, and it went through very quickly, which was great because I could retire.

"Equity release has enriched my life and given me peace of mind."

  ·  Real life customer testimonials provided exclusively for Key Retirement. Content not to be reused without customer consent. Images posed by models and actors
· Equity release plans allow you to unlock cash from your home. A lifetime mortgage is secured against your home
· Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits
· Unless you decide to go ahead, our service is completely free of charge, as our typical advice fee of 1.95% of the amount released would only be payable on completion of a plan
· If you are considering equity release we recommend that you read
is it right for you? carefully


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Customer satisfaction is at the heart of everything we do; we pride ourselves on being independent, transparent, supportive and straightforward. We're passionate about helping you to make the most of your finances when you’re in or approaching retirement.

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