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Find an Adviser Phil Totty

Phil Totty Certs CII (MP & ER)

Equity Release Schemes, Retirement Mortgages & RIO's

Hello, I’m Phil one of the independent advisers here at the award-winning Equity Release Supermarket.

I've been involved in financial services for over 25 years and have a wealth of experience. In addition to my many years as an adviser, I have management experience in both the corporate and personal sector, holding senior positions in Banks and IFA companies. I joined Equity Release Supermarket as they have exceptional levels of customer service and offer independent, whole of market advice across the equity release marketplace.

I take great satisfaction from helping people and making a real difference to their lives. Whether it’s helping their family, repaying their mortgage or just having more money to enjoy and enhance their retirement. Some clients wish to discuss inheritance tax planning or gifting a deposit to help their children on the housing ladder, which I can also assist with.

Modern Equity release plans are flexible with many options available, ensuring we can recommend exactly the right plan to meet your needs. This makes it more important than ever to speak to someone who is experienced, knowledgeable, ethical and understanding.

I’m based in North Yorkshire and I’m happy to travel anywhere in the UK to meet you, however I’m equally happy to discuss things over the phone or by email, depending on your preferences.

Originally from the North East I have two grown up children currently living in London and Edinburgh, which gives me a great excuse for weekends away! I enjoy socialising with friends, cycling and watching cricket, both on TV and at Headingley. In addition to this I’m actively involved with fundraising for local charities.

If you would like an informal chat with me with no obligation to find out more about how equity release could benefit you, then please contact me & I’ll be happy to go through all options available to you.

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