Working together for you

Our Later Life Lending Service is provided by our trusted partner, Responsible Life. They are specialists who help customers aged 55+ release money from their homes.

If you took out a Lifetime Mortgage, a Retirement Interest-Only Mortgage or a traditional mortgage through Royal London, the service would’ve been delivered by Responsible Life and their fully qualified advisers. If you are looking for further information on your product, your first point-of-call should be Responsible Life’s Information Team.

They will be able to answer any pressing questions that you have and advise you if it would be better for you to contact your lender directly.

The Information Team could also give you more guidance on the best place to get help with a variety of things relating to your product, such as:

  • How to draw down from your reserve Lifetime Mortgage account, if you secured one at the time of the release
  • And even whether remortgaging could benefit you

By releasing equity from your home through a Lifetime Mortgage, there will be less available for your estate in the future. Your entitlement to means-tested benefits could also be affected if you are in receipt of these. It is therefore essential that you seek specialist advice. The Information Team can book you in for a free, no-obligation appointment with a fully qualified adviser who will be able to talk you through these risks and suggest plans that may help mitigate their impact.

Got a question? The Responsible Life team are here to help

0800 023 9311

Free from UK landlines and mobiles

Mon to Fri: 9am-8pm. Sat: 9am-5pm.

Royal London have chosen Responsible Life to provide our customers with advice on Later Life Lending products. The Royal London Mutual Insurance Society Limited has a 30% shareholding in Responsible Life and Responsible Lending (Responsible Group) and are part of the same group under FCA disclosure rules.

Responsible Life Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register ( under reference 610205.

If you choose a mortgage with required repayments during your lifetime then your home may be repossessed if you do not keep up with the payments. A Lifetime Mortgage will impact the value of your estate and could affect your entitlement to means-tested benefits. Think carefully before securing other debts against your home.

To understand the features and risks, ask for a Personalised Illustration. Responsible Life’s adviser will talk through the setting up costs of a mortgage before you make any decision to proceed. Only if you choose to proceed and your case completes will Responsible Life charge an advice fee, currently not exceeding £1,690.

If you take out a product recommended by Responsible Life, Royal London Marketing Limited will receive a fee, for this introduction. If you would like further details about this fee, Responsible Life will be able to provide you with this. More information about Responsible Life and how your information is processed is available on their privacy notice. Find out how Royal London manages your personal data.

Royal London Marketing Limited is authorised and regulated by the Financial Conduct Authority, registration number 302391. Registered in England and Wales number 4414137.

Responsible Life's registered office is: Mills Bakery, Royal William Yard, Plymouth, PL1 3GE. Registered in England & Wales. Company number 7162252.