Responsible Life Reviews 

Tracy James was amazing, so knowledgeable and very kind and helpful. Highly recommend. Tracy made it just a stress free experience.

I found Susan very informative and helpful in providing the options available to me regarding Lifetime Time Mortgages. Susan responded quickly to my enquiries.

David La Haye Equity Release Specialist !
Very helpful and kept me up to date on the process.

Following our approach, Sharon Carmichael made contact and arranged for a more detailed appointment to discuss our needs. She was polite and friendly throughout and both knowledgeable and patient. Sharon was especially thorough in making sure we fully understood our potential commitment. She was able to source a solution that met our requirements and ensured a smooth transition to the more legal processes. A successful outcome in quick time, with Sharon keeping us appraised throughout. Thank you.

From the initial face to face meeting Susan swiftly understood our situation. Following a thorough review she was able to progress lenders who also progressed swiftly to conclude the final mortgage agreement.
A professional service which did not over promise but actually delivered 100%. Customer service at its best.
Grateful that a company with the aim of later life lending can provide outcomes to enable a fresh start to be made and affordable security into the future.
Susan kept in touch throughout the process and we were most grateful for this personal support.
I would wholly recommend Susan and her companies services.

Rebecca Moore. It was a pleasure to meet Rebecca she spent a long time with us explaining every detail very carefully and finding the right package for us.The whole process was very quick and Rebecca kept us informed at every stage. We cannot recommend her highly enough.

We cannot thank Susan Chessor for all her hard work patience and professionalism and her total commitment in arranging our remortgage. She kept us up to date throughout the whole process her advice was invaluable.I would highly recommend Susan to anyone requiring Financial Advice.

Nick Meeke was very knowledgeable, efficient and extremely friendly. He found a mortgage for me. When I thought it was going to be very hard to get one. I highly recommend using his services.

From the first contact with Tracy in January, we felt confident that she understood our needs, and gave expectational factual information to help us make an informed decision. Her guidance helped us to find a Life Time Mortgage, whilst protecting the remaining equity in the house. We can't not thank Tracy enough for making it seamless.

TheProcess was explained really well by Rebecca which made this clear for ourselves to make an informed decision and a positive outcome.

Mr Loxley was introduced to me back in October 2025 as an adviser to help me with my equity release loan .on some occasions he Sat with me for a good couple of hours explaining in detail everything I needed to know. Giving me knowledge of the best way to proceed he was with me all the way from beginning to the end I would recommend this guy to anyone wanting an equity release loan for his professionalism though out the whole process. And I sincerely thank you for all you done for me

We couldn't have asked for anyone better than Sharon Carmichael as our financial advisor, to guide us through the process of taking out another sum of equity release. We were nervous about doing this, but having reached the stage where we needed help in maintaining our house, we realised it was the best thing to do.
Sharon navigated an easy and clear path through the whole process - she was very patient, listened to our - many! - queries, providing constructive, helpful answers and solutions along the entire way. We felt confident to go ahead, she explained things with great clarity, and we trusted her as a friend as well as an advisor - she could not have been more helpful, and we're really thankful to her for that. I feel if we have any hiccups in the future, I can message her and she will always be on hand to help - what a relief in what initially seemed a daunting process!

Tracy James really listened to our reasons and requirements for investigating equity release on our property. We had already suffered rejection to the scheme when we enquired by ourselves, before Tracy became involved. Tracy was able to navigate the market and produced sensible offers, with full explanations about the offers, so that we could make an informed choice and proceed with our application. There were hurdles to overcome along the way and boxes to tick but Tracy supported us throughout and seemed genuinely pleased, nearly as we much as we were, upon completion. Garry and Miranda Edwardes

Tracey was extremely efficient and always responded quickly. I can not recommend her more highly. Thank you for everything Tracey

Rebecca Moore was our adviser. She was extremely knowledgeable and informative. She always returned our calls promptly and made you feel that no question was a stupid question. She gave sound advice every step of way and we were very pleased with the outcome. I would recommend both her and responsible life for their services.

We were given clear and helpful advice which enabled us to make the right decision regarding our lifetime mortgage. Our advisor was available to answer any questions that we had. Highly recommended

Having decided to investigate a lifetime mortgage, we contacted Royal London, who then put us in contact with Tracy from Responsible Life.
From our very first meeting Tracy was warm, friendly and knowledgeable. She explained all of the options open to us and encouraged us to think of things that we might not have considered.
Once the decision was made, Tracy helped us complete and submit our application and was in constant communication regarding progress.
The whole process took approximately 10-12 weeks and we are very pleased with the outcome.
We would thoroughly recommend Tracy James to anyone considering a lifetime mortgage or indeed a re-mortgage.

Tracy James was friendly and professional from the first meeting. Everything was explained clearly. Unforeseen issues raised by the lender were dealt with promptly by Tracy who kept us informed of progress throughout and we completed within the given timescale. Would definitely recommend.

I cannot thank Susan Chessor enough for her hard work,professionalism patience and commitment to helping me through the remortgage procedure.
From finding me the best deal for my circumstances and keeping me informed and upto date all along the way.
I would recommend Susan and the company for anyone looking for help and advice.

We have been dealing with Sammi Atkinson throughout this journey which we instigated around 18 months ago as an initial enquiry. Sammi has been knowledgeable, helpful, highly professional and supportive throughout the process. She has taken time to consider all our options based on changing circumstances and established the best solution for us.
Sammi’s attention to detail, support and inputs have been invaluable and we would have no hesitation in working with her again and would therefore highly recommend her.