Millions of older homeowners' biggest and most successful investment is their home. So, if your finances don’t look fit for retirement, it makes sense to use the wealth in your home now.

If you’re a homeowner, aged 55-95, you could release a tax-free cash lump sum from your home without having to move. The money is yours to spend however you like; there are no restrictions.

With a lifetime mortgage the loan is secured against your home, interest rates are fixed for life and there are typically no monthly payments to make. So, you can enjoy your retirement without having to worry how you’re going to fund it.

Mail Finance has partnered with Key Retirement, the UK’s number-one equity release specialist, to see if equity release could be an option for you. Equity release will reduce the value of your estate and may affect your entitlement to means tested-benefits.

Use our free calculator to see how much cash you could release. Key will call you to answer any questions and see if you’d like to meet with an adviser for a free no-obligation consultation.

This is an equity release plan. To understand the features and risks ask for a personalised illustration. Unless you decide to go ahead, Key’s service is completely free of charge, as Key’s typical advice fee of 1.65% of the amount released would only be payable on completion of a plan.

*Nationwide House Price Index, Q4 2015