Who is Responsible?

Part of the Royal London Group, the UK's largest mutual life, pensions and investment company, Responsible comprises of two separate entities, Responsible Life Limited and Responsible Lending Limited. Responsible Life was established in 2010 to help homeowners aged over 55 consider how unlocking their property wealth could work for them. Responsible Lending, a specialist Lifetime Mortgage lender, has provided flexible Lifetime Mortgages to homeowners over 55 since 2019.

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Diversity and belonging

We believe that when people from diverse backgrounds come together, they bring unique perspectives, skills, and experiences.

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Office culture

See what our colleagues say - “Great office culture. Supportive management and really friendly co-workers!".

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Our people

A key part of achieving our purpose is having a culture that enables all of our colleagues to contribute to our success.

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Responsible Equity Release

Responsible Equity Release is a trading style of Responsible Life Limited, providing later-life mortgage options from various providers across the entire market.

Including  Lifetime Mortgages, Payment-term Lifetime Mortgages, and Retirement Interest-Only Mortgages. Our advisers all hold recognised qualifications including a Certificate of Regulated Equity Release (CeRER) or equivalent. We also require them to sign up to the Equity Release Council, committing to put the needs of our customers first.

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Responsible Life

Founded in 2010, Responsible Life is a specialist in later-life lending, having helped over 500,000 people decide if releasing their equity is the right decision for them.

As the first to introduce a service including all of the later life lending product types available to over-55 mortgage clients, Responsible has positioned itself as a consumer champion dedicated to finding the right solution for customers.

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Responsible Lending

Responsible Lending is the sole provider of the Royal London equity release product range.

Responsible Lending was founded to satisfy a gap in the market for an innovative lender that focuses on the issues faced by those aged 55 and over. We’ve built an exceptional lending platform designed from the ground up for the 55+ customer. Our highly experienced management team have designed products that take into account extensive market research on what our customers actually want.

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