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Busting myths of equity release.

Have you considered how tax-free cash could support your retirement, but halted your exploration of equity release due to the following myths:

  • "I will owe more than my house is worth."
  • "I can’t obtain a later life loan with bad credit."
  • "I won’t be able to relocate."

With equity release, you are guaranteed to never owe more than the value of your property. Options are also available for those with a low credit score. Additionally, if you need to move, rest assured - all the products we recommend come with a guarantee of portability, subject to the lender's discretion.

Discover why 800,000 people chose Responsible Life for assistance with their equity release by calculating how much you can release today.

Equity Release Calculator



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Based on the information you have supplied so far it looks like equity release could be an option for you.

We just need to know a few more details to confirm this. These details will also allow us to complete your calculation, send you your free guide and contact you to answer any questions you may have.

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How does equity release work?

There are a variety of ways to take control of your later life finances and Lifetime Mortgages are at the forefront. They are the most popular form of equity release in the UK.

With a Lifetime Mortgage, you are borrowing money against the value of your home which means you will still own 100% of your property. Any monthly payments are entirely optional, however, it is recommended to make them if you can to reduce the amount of interest building up over time. Should you choose not to make any payments, interest will be added to the amount borrowed over time.

The full amount borrowed, plus interest, is only repaid when the last homeowner either dies or enters long-term care. This is usually achieved with the sale of the home.

Are you eligible to release equity?

Receive transparent, expert advice

At Responsible Life, we want you to feel confident in your decision, so we make the process as clear and simple as it should be. Our team will provide you with:

Peace of Mind:

Rest assured that our regulated and trusted experts will guide you through the entire process with utmost professionalism.

Secure & Transparent Advice:

Receive a personalised illustration, showing the exact costs so that you can make a decision knowing what the future holds.

Competitive Rates:

Enjoy rates that are fixed for life and designed to be highly competitive within the market.

Quick and Easy Application:

Get started with a straightforward application process, saving you time and hassle

Our customers have chosen a variety of ways to use their released equity, some of the most popular reasons are:

Mortgage repayment
Home improvements
Income boost

To find out more about equity release, get in touch

If you are considering equity release, it is important to get expert financial advice to make sure it is the right decision for you.

5-star service

We offer a wide variety of products made available to the whole of the market, with flexible features throughout. We also offer access to products not available to the wider market.

At Responsible Life, we will assess your suitability for a range of solutions designed to help you take advantage of your property wealth. We find that the most popular way of releasing equity is with a Lifetime Mortgage. However, we want to ensure that you have access to a wide range of solutions and can also provide you with access to Retirement Interest-Only Mortgages and traditional mortgages if these are more suitable.

Your adviser will provide you with a consultation service that compares the available options, coming up with a recommendation of what could work best for you. The service will also explain how each product works and what features are available to help achieve your goals.