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what is Equity release?

Equity release is a means of retaining use of a house or other object which has capital value, while also obtaining a lump sum or a steady stream of income, using the value of the houseEquity release is a means of retaining use of a house or other object which has capital value, while also obtaining a lump sum or a steady stream of income, using the value of the house

Hi, I’m David Farrell a fully qualified equity release specialist covering South Yorkshire and surrounding counties.

I have over 15 years of industry experience. I provide professional equity release advice and I am more than happy to meet with you, without any obligation on your part, to discuss what equity release is, how it works, and how much you could release. Helping to put you in an informed position so that you can make the right decisions about equity release for you and your family

Many of my clients now find that releasing some of the wealth from their home can help with things such as: home improvements, paying off existing mortgages, clearing debts, dream holidays, second holiday homes, paying for school fees and helping with your children’s house deposits.

Modern Lifetime Mortgages stand at the forefront of financial planning by providing access to tax free capital to spend as required with no repayments required during your lifetime unless you choose to, and whilst you retain full home ownership.

I work with Responsible Equity Release who are an award-winning name in equity release. I’d like to discuss with you the features and savings of the different plans that Responsible have extensively sourced and negotiated on your behalf from providers who include names such as Aviva, Just Retirement, LV, Legal & General, Hodge Lifetime, More 2 Life, Pure, One Family and Canada Life.

Working with the UK's leading providers:

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My Service to You


​I offer an initial meeting/discussion either by telephone or face to face without obligation and without charge. Together, we would work through the following:

  • Whether equity release is a suitable route for you now or possibly later.
  • I’ll explain in full how equity release works and its impact on you & others.
  • Discuss all alternatives and provide access to these options if needed.
  • If the recommended route is to proceed with an arrangement, then you will be presented with a Key Facts Illustration (a client specific illustration).
  • If the recommended route is to proceed with an arrangement, then you will be presented with a Key Facts Illustration (a client specific illustration).
  • My recommendation will be based on your needs.
  • If you are fully happy to proceed, I will help you with the application process.
  • When an application is completed, you will receive a suitability letter that will fully explain why the Equity Release product has been chosen.

A foreword from our Managing Director

Equity release has come a long way since regulation in 2007, as the UK's 55 + population looks to safely take advantage of their biggest asset to fund their ambitions. We set up Responsible Equity Release to work with the growing number of people who want to use equity release as a sensible, responsible way to improve their lifestyle.

Lifelong aspirations, debt-clearance, income top-ups or family matters may be the reason you have enquired about equity release. Now it is time to see if equity release is the right way to achieve your aims.

Our mission is to simplify equity release and debunk the myths, without taking away any of the detail and information that will help you make your decision. We'll also bring our new moneysaving features to life using examples based on industry facts.

Yours faithfully,

Steven Wilkie MSc LLB
Managing Director

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guide to equity release ?

This is a Lifetime mortgage and may impact the value of your estate and could 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.

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 (http://www.fsa.gov.uk/register/home.do) under reference 610205. Registered Office: Unit 8, ABC Killinghall Stone Quarry, Ripon Road, Harrogate, HG3 2BA. Registered in England & Wales. Company number 7162252.

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.

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