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Equity Release Service

Equity Release

Find out how much equity you could release from your home.

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0333 0605 087
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Equity Release

Equity release is a way for UK homeowners aged 55 and over to convert a portion of their home’s value into money in the bank. There are two main ways of unlocking equity; you can either take out a lifetime mortgage, which means you borrow against the value of your home, or take out a home reversion plan, which means you sell a part of it.

Borrowing with a lifetime mortgage is by far the most popular way to release equity from your home as you retain 100pc homeownership for life. Also, by releasing equity this way you can choose to repay the money, plus interest, through the sale of your home upon your death or when you both move into long-term care. There is flexibility in payment options however, and some products might give you the option to make voluntary payments over the lifetime of the mortgage. Your estate is not obligated to pay with the sale of your home either, and can use other methods if available to them. The Telegraph Media Group Equity Release Service, provided by Responsible Equity Release, will only advise on lifetime mortgages.

There is no end of term when you release equity, it is designed to run for your lifetime. However you do have the guaranteed right to sell your home and move to a new one, provided the new home meets the lender’s criteria.

Do I qualify for a Lifetime Mortgage?

  • I’m 55+ (minimum age lenders will accept)
  • UK resident and own my home
  • My property is located in the UK
  • My property’s value is at least £70K
  • Mortgage free or able to repay existing mortgage on completion
  • I plan to release a minimum of £10,000


Your expert adviser will clearly explain your eligibility and only recommend lifetime mortgages that best suit your circumstance.



Why choose The Telegraph Media Group Equity Release Calculator

Learn how much tax-free cash you could release from your home with the Telegraph Media Group equity release calculator provided by Responsible Equity Release.

  • Receive a free comprehensive guide to equity release
  • No credit checks to find out how much you could release
  • Find out if you’re eligible
  • Preview your lifetime mortgage options
  • No obligation
  • Results within seconds


What are the next steps?

  • 1

    Calculate your equity

    Enter your property details and some information about you in the equity release calculator. You will be sent an instant estimate of how much money you could release from your home.

  • 2

    Receive your guide

    Read the pros and cons of equity release, along with real-life case studies in your own time to assist with decision making.

  • 3

    Speak to the Information Team

    Have your questions answered over the phone, before booking a free, no-obligation appointment with an equity release advice specialist.

  • 4

    Speak with a fully qualified equity release specialist

    Your local equity release adviser, provided by Responsible Equity Release, will get to know you and explain all of your options.

  • 5

    Make an application

    If equity release is the right option for you, your adviser will help you to make an application.

  • 6

    Receive your tax-free cash

    After application your adviser will help you through each stage of the process, and you could have your tax-free cash lump sum in as little as four weeks!

5-Star service

Our award-winning partner delivers customer service that is 5-star rated by customers on Trustpilot.

Tailored advice

Free, no-obligation information tailored to your personal circumstances delivered by a nationwide team of experts. A fee is only payable if you choose to proceed and you complete a lifetime mortgage.

Peace of mind

All lifetime mortgages that Responsible Equity Release will advise on meet the Equity Release Council’s product standards, Responsible Life is authorised and regulated by the Financial Conduct Authority.

Different Types of Equity Release

There are two main types of lifetime mortgage that Responsible Life recommends, depending on whether you choose to access your equity in one lump sum or as an initial lump sum with an interest-free reserve. You will have the flexibility to choose the option that is right for you.


Roll-up Lifetime Mortgage

This product allows you to release a tax-free cash lump sum from your home. You are under no obligations to make monthly payments and interest will roll up over time.


Drawdown Lifetime Mortgage

This product allows you to release a smaller initial lump sum and place further equity into an interest-free reserve. As with a roll-up product, there are no obligations to make payments, but you are only charged interest on the equity that you have actually drawn down.

There are flexible options within both roll-up and drawdown plans, allowing you to make optional repayments of up to 10% of the mortgage value per year.


Responsible Life will only advise on lifetime mortgages where you retain 100% ownership and the deeds to your property. All the products meet the standards and principles set out by the Equity Release Council, so you have the peace of mind of knowing that you and your family are protected by customer-focused safeguards.

Speak to the experts

  • Call Responsible Life's expert team to find out how much tax-free cash you could release from your home.
  • A Guide to Releasing Equity With A Lifetime Mortgage will also be sent to you by Responsible Equity Release.

Call us now: 0333 0605 087

Request a call back

Calls to 03 numbers cost no more than calls to geographic numbers (01 or 02) and are included in inclusive minutes and discount schemes in the same way.

Why choose Telegraph Media Group Equity Release?

Choosing the Telegraph Media Group Equity Release Service, brought to you by Responsible Equity Release, means that you are choosing a quality, reliable product. Responsible Equity Release are rated 5* on independent review website Trustpilot, and have access to the whole of market when searching for the lifetime mortgage for you. Alongside our quality, local advice, you will benefit from a second opinion from another fully qualified equity release specialist. You can have peace of mind that the product recommended is right for you.

Regulations set out by the Financial Conduct Authority and Equity Release Council require you to receive financial advice before taking out an equity release product. An equity release specialist provided by Responsible Equity Release, will give you all the information you need to make an informed decision that best suits your needs, even if that means that equity release isn’t the best option for you. An equity release adviser can also help you start the application process.

Schedule An Appointment

Equity release has seen a huge number of changes to the market, with a large number of new entrants, product features, updates and rate changes.

Let’s make sure that your information is fresh and up to date.

Book in your telephone call with one of Responsible Equity Release specialists who can provide you with the latest information personalised to your circumstances – all for free and with no-obligation.



Speak to the experts

Call on:

0333 0605 087

Calls to 03 numbers cost no more than calls to geographic numbers (01 or 02) and are included in inclusive minutes and discount schemes in the same way.

Provided by

The Telegraph Media Group has chosen Responsible Equity Release to provide its customers with a range of trusted equity release lenders approved by the Equity Release Council.

Responsible Equity Release is one of the UK’s largest equity release specialists made up of fully qualified and highly experienced advisers nationwide. They combine an old-fashioned service with efficient, modern processes.

Find out more about Financial Solutions by Telegraph Media Group

Important Information

A Lifetime Mortgage may reduce the value of your estate and may affect your entitlement to means-tested benefits. To understand the features and risks, ask for a Personalised Illustration. 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 which 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 £1,690.

Learn more about Equity Release