Key Partnerships
Key Partnership

Key Partnerships

Key Partnerships, your equity release referral partner.

We provide you with a risk and hassle-free way to refer clients that helps them make the most of their financial potential by releasing equity from their homes.

Clients 55+ benefit from specialist whole-of-market advice so we can find a plan that suits their requirements.

Proc Fees

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All products 50%

Key Features

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    Help more clients and boost your business with an additional income stream

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    Whole-of-market equity release advice for homeowners aged 55 and over

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    Submit and track referrals via our online portal

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    Support to help you identify and target client opportunities


What is equity release?

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UK and Northern Ireland

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Register to place business with Key Partnerships:

*Please select that you are a PMS Mortgage Club member when registering, placing business or checking existing payment route to ensure you receive the procuration fee quoted by PMS.


Equity release helps UK homeowners aged 55 and over access some of the money tied up in their home The most popular type pf equity release is a lifetime mortgage which allows clients to access the equity (tax free cash) tied up in their homes. Clients can use the money however they wish and can choose to take the money released as a lump sum or after an initial release, in smaller amounts (drawdown). There are no affordability checks and the loan is usually repaid when the house is sold following their death or admission into long-term care.

Changing perceptions

Equity release has evolved rapidly from a niche lending option for the elderly to become a competitive, mainstream later life planning option, a sector growing faster than any other in the mortgage industry.

Customer demand is driving innovative plan features.

Modern lifetime mortgage plans are highly flexible and offer clients more options. From inheritance protection features that allow clients to protect a percentage of their home's future value for the benefit of loved ones, to plans that allow clients to pay off interest, make capital repayments without penalty and access flexible drawdown facilities. Rates are increasingly competitive and no-one is at risk of losing their home.

To qualify for equity release your client must meet the following criteria:

  • They must be aged 55 or over
  • Their home must be worth at least £70,000
  • They should be a UK resident, and their home must be in the UK

If they qualify, they could potentially release between 5% and 55% of their home's value.

Our relationship

We have teamed up with PMS to help you provide more later-life lending options for your clients in a rapidly expanding market. To work with us there's no need for any specialist qualifications and we take full compliance responsibility for the equity release advice given.

To refer a lead, all we need is your client's:

  • Name
  • Age
  • Contact details

And we'll take it from there. We make a referral payment to you for every completed case. In 2020 our average referral payment was £1,766.

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