Responsible Life Reviews 

My initial contact was with Paul Glendennan who was the Financial Advisor regarding Equity Release. His knowledge and patience was very reassuring as had so many questions plus contacted him on several occasions afterwards but was always the true professional and always responded without hesitation and useful advice.

Totally professional from beginning to end of our Equity release application.
What was a daunting project as we had no prior knowledge of how to go about Equity release, Christian was more than helpful and explained all aspects simply and clearly so we understood everything. We had a few problems to overcome on the way but again these were dealt with as quickly as possible.
Communication was excellent with all members involved in finalising our application, always at the end of the phone or email for help and advice.
A huge thankyou to Christian, Michelle and Sharon who have all played a part in getting us over the finish line.

I have known Mike Lockley for a couple of years now who is very professional in his work. I can highly recommend Mike for his knowledge and advice

Tracy James was excellent explained organised char up where needed great service

Paul Hood was professional and extremely clear in everything he explained to us.
The whole process was very smooth from beginning to completion and I would not hesitate to recommend Paul and the company

Paul Glendennan our Equity Release Specialist was very mindful of our needs and explained the pitfalls and advantages of equity release in equal measure. He was compassionate, professional and courteous. I would have no hesitation in recommending Paul

Paul went through the various options available to us. He explained things very clearly which enabled us quickly to come to a decision. He kept us informed throughout the process and we really appreciated the advice and help he gave us. I wouldn't hesitate to recommend Paul.

Paul Glendennan was extremely professional and knowledgeable. He provided an excellent service, explaining all the options available to me clearly and calmly thus allowing me to reach the correct decision for my circumstances. I would highly recommend Paul to anyone considering Equity Release.

We dealt with Nick who was very helpful he answered all questions that we had. He was very experienced. Nothing was to much trouble even when I contacted him after our meeting, always had time to help. Unfortunately with no fault of Nick we had to cancel, once again Nick was very understanding and concerned. If my situation changed I would certainly go back to him.

I am very impressed with Responsible Life in particular with David La-Haye who I wouldn't hesitate to recommend.

David was my Later Life Lending Specialist dealing with my Equity Release Re-Mortgage.

He was extremely helpful, professional, friendly and efficient every step of the way, there wasnt at any times any confusion or mis understandings.

He made everything very clear and went to great lengths to ensure the smooth running of the whole process he kept in touch with me along the way, checking and clarifying any issues or concerns i may have had and putting my mind at rest, i cant thank him

When we first contacted Nick re releasing equity on our house , he was very professional and also understanding of our potential needs . He also made the application process very easy for us to understand and we would highly recommend Nick if any of our friends are in the same situation as we were

Susan made the process and experience very straightforward. Her personality and professionalism was most welcome and made it simple to deal with

Paul made the whole process so easy from start to finish. No hard sells whatsoever - just clear advice without any ambiguity. I am extremely grateful to Paul and the team for a superb service. I would highly recommend anyone thinking about equity release to contact Paul.

TRACY JAMES
I would highly recommend Tracy. Throughout this process Tracy was always professional and demonstrated her considerable expertise and knowledge of this financial sector. I particularly appreciated her excellent communication, follow up when questions arose, her careful research and considered advice for my particular circumstances. Tracy takes exceptional care to advise and guide her clients and I felt fortunate that she was at my side throughout. Thank you Tracy.

In a word -EXCELLENT!
Kristian Moore (from Responsible Life) was the equity release specialist who guided me through the application and process. He did this with complete professionalism, expert knowledge and evident experience. Like most people (I assume?!) approaching an equity release decision, I had more than a little hesitation and scepticism. Kristian was transparent in his delivery of advice and comprehensive in giving information to qualify this. There was absolutely no time pressure applied- I felt able to ask (and ask again!) anything that felt uncertain to me. The written data/quotes supplied were presented in an accessible format- and I am not financially savvy.
The process and time expectation was clearly laid out for me including the amounts of all additional disbursements and costs. And the entity of the accumulating interest (which is the sting in the tail of equity release!) was never hidden or sweetened- appropriately so. In other words there were no surprises. There was significant time given to discussing the appropriate total amount of mortgage to be taken and the pros and cons of releasing a greater or lesser amount. In other words the guidance was personal not rote.
To take a lifetime mortgage would not be my first choice, but life sometimes weighs in. Given my circumstances this was the right decision for me and Kristian Moore was central in bringing it to fruition. I must add that he repeatedly advised that I discuss the matter with my family- as I did- and this direction from him gave me confidence about the integrity of the company and Kristian himself. I have no regrets.
Kristian took the weight out of this application - all forms were pre-filled for my subsequent scrutiny- and this made it very straightforward.
The integration of other parties to the process(surveyors, valuations, solicitors) was seamless- no stress for me- it all happened smoothly and reliably.
So… all in all, I have to honestly say that making this important and difficult decision at a late(ish!) stage of my life, which required serious consideration for the wellbeing of my family and their future, was the best thing I could have done. Without confidence in the guy (Kristian Moore) orchestrating the whole matter , I wouldn’t have gone through with it.
I recommend Kristian, without hesitation, to anyone else who is deliberating over whether a lifetime mortgage is right for them.

Excellent and friendly service during the process despite problems put up by the lender. Highly recommended

Everything was explained without jargon. All options discussed in full, to enable me to make an informed decision. I was assisted every step of the way, i would highly recommend this service.

Many thanks to Sharon Carmichael from Royal London for providing excellent non bias information regarding our Equity release mortgage. Sharon was always very easy to contact via phone or email. Her knowledge on all things regarding Equity mortgages was fantastic and helped us make the correct decision for ourselves to get an equity release mortgage.
Many thanks Sharon for all your help!

Ewan & Jane

Richard Austin ,has a very friendly professional approach when dealing with my inquiry. I always felt safeguarded and never felt under pressure as Richard explained every detail , so I could make an informed decision.

My adviser was David La-Haye. I wanted to raise funds to help my two adult children and equity release was one option. Another option was via my pension pot and to cut a long story short he advised me against equity release in my situation after a review. He not only explained the equity release options but also explored my other options. Very honest and professional adviser who has been involved in financial services for over 30 years, a credit to the industry.