Responsible Lending Limited

Reference number: 763158

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When responsiblelending.co.uk first appeared online, and whether it can receive email
  • What kind of line 07547 296303 is
  • Who else gives the postcode PL1 2EX
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Other names (1)

If you were contacted under any of these names, it is this firm.

  • Royal London Equity Release Trading name

FCA permissions and consumer protection

  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (2 permissions)
  • Administering a regulated mortgage contract
  • Entering into a regulated mortgage contract as lender

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
09801855
Company status
Active
Company type
Private limited company
Incorporated
30 September 2015 (11 years old)
Registered office
Princess Court, 23 Princess Street, Plymouth, PL1 2EX, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Ian Williams Director Dec 1974 3 Dec 2024 52 other companies
Alan John Ritchie Director May 1978 1 Feb 2025 1 other company
Bernard Leigh Hickman Director Jun 1975 20 Apr 2026 23 other companies
ROYAL LONDON MANAGEMENT SERVICES LIMITED Corporate secretary Not published 31 Jan 2024 –

Other companies run by these 3 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
75
closed down
35
are FCA-registered
6

In the full report: all 75 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 6 on the FCA register
  • The 1 company these 3 directors run together
  • All 15 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2022Small company accountsNot audited

Net assets

£963k

−23% from £1.26m

Cash at bank

£1.81m

−37% from £2.87m

Employees (average)

60

+30% from 46

Owed within a year

£1.57m

−14% from £1.82m

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2019 to 2022
  • The chart, over every year
  • Every filed figure, year by year
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About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 09801855. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Responsible Lending’s history from the FCA register and Companies House, newest first.

Key events (12) All events (42)

2024

31 January 2024

  • Paul Edward Starkey stopped being a part-owner
  • Steven Thomas Wilkie stopped being a part-owner

Companies House

2021

1 July 2021

  • The Royal London Mutual Insurance Society Limited took control (75–100% of shares)

Companies House

2017

20 October 2017

  • Daniel George Jones no longer has significant control
  • Responsible Life Limited gave up control

Companies House

28 February 2017

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2016

30 September 2016

  • Steven Thomas Wilkie became a part-owner (25–50% of shares)

Companies House

30 June 2016

  • Daniel George Jones gained significant control
  • Paul Edward Starkey became a part-owner (25–50% of shares)
  • Responsible Life Limited took control (75–100% of shares)

Companies House

2015

30 September 2015

  • Incorporated at Companies House

Companies House

In the full report: all 42 events

  • All 42 events in its history (12 shown here)
  • Every director appointment and resignation: 27
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Firms connected to Responsible Lending

Other FCA-listed firms that share a director, phone number or address with Responsible Lending. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
2
share a director
2
share its postcode
1

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (2), the same postcode (1)
  • Who links each one: the named directors, with dates
  • 4 past links through former directors
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Firms like Responsible Lending

Other firms of the same type (mortgage lender), nearest first.

In Plymouth

Peninsula Finance PLCPlymouthAuthorised

Elsewhere in the UK

Yorkshire Bank Home Loans LimitedNewcastle-upon-TyneAuthorisedAviva Equity Release UK LimitedYorkAuthorisedAdmiral Financial Services LimitedCardiffAuthorisedLegal & General Home Finance LimitedSolihullAuthorisedPrudential Lifetime Mortgages LimitedLondonAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Responsible Lending

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 75 other companies its directors have run, named
  • 3 background checks on its contact details
  • 4 years of accounts, charted
  • All 42 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Responsible Lending Limited FCA authorised?
Yes, Responsible Lending Limited (FRN 763158) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2017 and works as a mortgage lender. The FCA has placed no limits on its permissions.
What is Responsible Lending’s phone number and website?
The FCA register lists the phone number 07547 296303 and the website responsiblelending.co.uk for Responsible Lending. If you were given different contact details, use these to check with the firm before going any further.
Is Responsible Lending a scam or clone?
Responsible Lending is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Responsible Lending?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Responsible Lending to the Financial Ombudsman Service, free of charge.
Who owns Responsible Lending?
Responsible Lending is owned by The Royal London Mutual Insurance Society Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 1 July 2021. Before that, it was controlled by Mr Steven Thomas Wilkie, Mr Paul Edward Starkey and Mr Daniel George Jones.
Who runs Responsible Lending?
Companies House lists 3 directors of Responsible Lending: Ian Williams, Alan John Ritchie and Bernard Leigh Hickman.
How long has Responsible Lending been in business?
The company was formed on 30 September 2015, and has held its current FCA authorisation since February 2017.
What do Responsible Lending’s latest accounts show?
Its latest accounts, to 31 December 2022, show net assets of £963k (−23% from £1.26m) and cash at bank of £1.81m (−37% from £2.87m).
Does Responsible Lending use any other names?
It trades as Royal London Equity Release.

Sources and links

The full report on Responsible Lending Limited

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