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Royal London

Responsible Lending was founded in 2017 and is the proud provider of the Royal London Equity Release product range. Since inception, they have had the customer’s needs at the forefront of every product and are supported by a dedicated Customer Service Team, who are available for the duration of the Lifetime Mortgage journey to ensure a smooth experience.

In 2023, Responsible Lending partnered with Royal London to deliver an exclusive range of equity release products to the Lifetime Mortgage market. Combining their expertise and market knowledge with Royal London’s commitment to the industry ensures that they deliver a product range to customers across England, Wales, and Scotland.

There are three distinct products in the Royal London Equity Release product range, each tailored to meet the needs of their customers. They are members of the Equity Release Council, which guarantees a fixed interest rate for the duration of your Lifetime Mortgage and the option to make voluntary repayments, alongside other benefits.

Core Standard Product

The Core Standard Product is available to homeowners aged 55-84 and offers flexible borrowing to homeowners in England, Wales, and Scotland. This product is offered as either a lump sum or a drawdown and can be tailored to meet your specific needs and requirements.

Core Premier Product

The Core Premier Product is available as lump sum or drawdown plan to homeowners aged 55-84 and has been designed especially for homeowners in England with high value property values. These customers can release a minimum of £100,000 and a maximum of £2,000,000.

Principal Product

The Royal London Equity Release Principal Product is a lump sum product available to homeowners aged 55-89 and offers flexible lending terms, thanks to the unique in-house referral committee. The minimum loan size for this product is £30,000 to homeowners in England, Wales, and Scotland.

Do the high street banks offer lifetime mortgages?

The ‘big' high street banks - that is Halifax, Barclays, Lloyds, HSBC, Santander, Royal Bank of Scotland (RBS) and Nationwide don’t currently offer lifetime mortgages or equity release plans themselves.

Call us anytime

We understand that with different options to choose from, it can be difficult to find the right lifetime mortgage plan provider for you. That’s why our team of expert and impartial advisers are on hand to answer all your questions and find the right solution for you.

It costs nothing to give us a call and the first and only person you’ll speak to is your local adviser. That’s because we don’t have call centres. Just highly qualified and experienced advisers ready to help you.