Your Journey Towards a More Financially Secure Future With Responsible Equity Release

Record numbers of the UK’s over-55 homeowners are now using equity release to access the value of their property assets to bolster their finances1. You may also be considering this valuable later-life financial service.

At Responsible Equity Release we pride ourselves on offering a personal, customer-focused approach to equity release. We want to get to know you, to find out how we can help you. That’s why we offer a customer journey that is specifically designed to provide you with comprehensive, transparent information, with no obligation to proceed, to help you find the equity release option that’s right for you.

It’s a simple process that puts you first.

We want to know your ambitions, your circumstances, and we do the research to find you the best option.


Your Customer Journey

Calculate –  The first stage of your equity release journey is to make use of our free, no-obligation Equity Release Calculator, to find out exactly how much tax-free cash you could release from your home. At this stage, you could also chat directly with one of our Information Team online, or request a free guide to Equity Release for more information.


Information Team – After using our calculator, you will be contacted by a member of our information Team. The role of the information team is simple, to answer your queries and to get to know more about you, your circumstances, and your ambitions. It’s their job to make sure that you know exactly how equity release works. As a Lifetime Mortgage may impact the value of your estate and could affect your entitlement to means-tested state benefits, it is important that you understand the features and risks involved. That’s why your adviser can provide you with a personalised illustration.

After this free phone service, should you wish to proceed with your application the Information Team are then able to put you in contact with one of our fully-qualified Field Advisers. Experts in Equity Release with years of experience across the nation-wide team, all our advisers have been carefully selected by us because they reflect the values at the core of our business in their work: you, as our customer, are at the heart of everything we do.


Home Appointment – Our home appointment service is how we get to know our customers best. We aim to provide you with a service that is both convenient and comprehensive. By taking the time to visit you, we aim to find out about your aspirations for equity release, and whether it’s the right option for you.

We are only interested in providing you with the information you need to make the decision that is best for you and your family. We even encourage you to invite your family to these meetings, to make them a part of what is ultimately an important discussion. We will talk you through every stage of the equity release process, the range of products and services available to you, and we can provide you with the answers to your questions and concerns.

There is no charge for this service, and no obligation to proceed if you decide its not the right option for you.


Whole of Market Research – If you decide to proceed with the application, your Field Adviser will conduct a comprehensive search of the equity release market to find the solution that best meets your requirements. At Responsible Life we compare Lifetime Mortgages from whole of market lenders approved by the Equity Release Council. This means that we can connect you with the right Lifetime Mortgage that best meets the criteria established at your home appointment.

Your Field Adviser will then present their findings to you in clear, transparent terms, to make sure that you understand fully the products available to you, their impact and their potential benefits.


Completion – After this extensive process of engaging with our Information Team and expert Field Adviser you may wish to proceed with one of the plans outlined. After your home has been valued on behalf of the lender and an offer submitted for your consideration, a solicitor of your choosing will be able to help complete the final steps of the process. It is only at the completion of your application that Responsible Life will charge you a fixed fee.


With a wide range of plans available, is now the time to find out how equity release if a Lifetime Mortgage could help you enjoy the financially comfortable retirement you deserve?

Could equity release help you? Call us now and speak to one of our expert team who will give you all the information you need.

0800 652 2955

1 Equity Release Council, ‘New equity release plans rise by a third as lending passes £800 million in a single quarter for the first time’, 30/10/17

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    Responsible Equity Release is a trading style of Responsible Life Limited. Responsible Life Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register ( under reference 610205.

    This is a Lifetime mortgage which may reduce the value of your estate and may affect your entitlement to state benefits. To understand the features and risks ask for a personalised illustration.

    Any information contained herein is a personal opinion of the author and should not be considered to be advice of any kind. Inheritance Tax planning is not regulated by the FCA. Think carefully before securing other debts against your home. By consolidating your debts into a mortgage you may be required to pay more over the entire term than you would with your existing debt.

    Only if you choose to proceed and your case completes will Responsible Life Limited charge an advice fee, currently not exceeding £1,490. Our adviser will talk through the setting up costs of a lifetime mortgage before you make any decision to proceed.