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What is Equity Release?

Equity release has become an increasingly common way for homeowners across the UK to fund their dreams in later life. Rising house prices across the UK over recent decades means that the UK’s over-55s have more equity than ever locked up in their properties, equity that can be accessed using a Lifetime Mortgage, the most popular form of equity release.

With a lifetime mortgage, unlike other forms of equity release, you can release tax-free cash from your home whilst retaining full ownership of your home, and without having to commit to making monthly repayments.


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Choosing from whole of market, Equity Release Council approved lenders.

Here's what our customers have to say about our services.

Alastair Bolingbroke
Top class!

What an easy and straightforward process! George Wotton guided us through every stage with unfailing consideration to our wishes and courtesy. He understood exactly what we were looking for and was able to answer all our questions. He seemed to readily understand that this was a big decision for us to make and most even handedly set out the pros and cons. Once the decision was made the process moved like clockwork. A very professional organisation!

David Strachan
Equity Release Made Simple.

We found the whole equity release easy,and trouble free thanks to our very helpful and efficient specialist Rita Davidson. She made the whole process simple, easy to understand, and used plain English to explain everything. I can highly recommend her services if you are contemplating equity release.

Malcolm Pickering
My experience with this company.

My experience with this company, and its representative, has been excellent. Sally-Anne Cansfield has been one of the most helpful company representatives I have ever had dealings with. She has been with me all of the way through the process. From the very outset, she has been more like a friend than a representative of a company. A very professional and friendly service.

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Equity Release Calculator

Some of our local advisers

Things to consider

  • By accessing some of the equity in your home now, there will naturally be less available to your estate in the future.
  • If you are in receipt of means-tested benefits then your entitlement may be affected if you release equity.
  • Ask your adviser about plans available to mitigate the impact on your estate and on any benefits that you receive.

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 (https://register.fca.org.uk/) under reference 610205. Only if you choose to proceed and your case completes will Responsible Life Limited charge an advice fee, currently not exceeding £1,490. A lifetime mortgage may affect the value of your estate and your entitlement to means-tested state benefits. Our adviser will talk you through this and the setting up costs before you make any decision to proceed.

Responsible Life - Your Future, Protected.

Award winning equity release specialists.


0800 652 2955


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Equity Release Awards - Finalist for Best Mortgage Adviser 2018

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