About Responsible Lending

Who are Responsible Lending?

Responsible Lending are an FCA regulated mortgage lender specialising in Lifetime Mortgages. We were founded as a we saw a space in the market for an innovative retirement lender that focuses exclusively on the issues faced by those aged 55 and over. We have designed products that take into account extensive market research on what our customers actually want and need.

We’ve built an exceptional product designed from the ground up for the 55+ customer. It’s all we do and we do it exceptionally well. Our investment in market leading technology, combined with good old-fashioned customer service, will ensure your case will be handled quickly and efficiently by friendly and professional staff. We have an exclusive partnership with the global investment bank Credit Suisse. Credit Suisse are one of the largest investment banks in the world with assets under management of $1 trillion and over 40,000 employees. You can be certain that you’re working with an institution you can trust.

We are authorised and regulated by the Financial Conduct Authority (FRN763158) and follow the code of conduct set out by industry standards body, the Equity Release Council.


Our Values


Doing things the honest way in respect of our customers, employees, consultants and business partners.


Creating a working culture where differences are valued and teamwork is fostered.


Valuing the input, knowledge, privacy and the information of others, including our staff, customers and business partners.


Doing things the right way in line with our duties of care to our customer, the regulator and internal high standards.


Recognising, including, respecting and appreciating the ways we differ.


Addressing challenges whilst celebrating progress and success.


Being open in both critique and praise in order to promote success. Listening to those willing to share with us to continually improve.