Responsible Life Limited

Reference number: 610205

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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 responsiblelife.co.uk first appeared online, and whether it can receive email
  • What kind of line 0808 168 1021 is
  • Who else gives the postcode PL1 2EX
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Other names (13)

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

  • Mortgages from Responsible Life Trading name
  • Responsible Equity Release Trading name
  • Responsible Mortgages Trading name
  • Royal London Trading name
  • Royal London Equity Release Advisers Trading name
  • Telegraph Equity Release Trading name
  • Equity Release Guru Former trading name
  • HNW Lifetime Mortgages Former trading name
  • Reader¿s Digest Equity Release Former trading name
  • Responsible Estate Planning Former trading name
  • Retiredom Former trading name
  • Trust in Equity Release Former trading name
  • Your choice Equity Release Former trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • 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 (11 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) regulated mortgage contracts
  • Dealing in investments as agent
  • Debt Adjusting
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments
  • Providing Credit Information Services

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
07162252
Company status
Active
Company type
Private limited company
Incorporated
18 February 2010 (16 years old)
Registered office
Princess Court, 23 Princess Street, Plymouth, PL1 2EX, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Richard Mckinney Director Jan 1975 3 Dec 2024 1 other company
Ian Williams Director Dec 1974 3 Dec 2024 52 other companies
Benjamin John William Hampton Director Mar 1985 1 Feb 2025 3 other companies
Bernard Leigh Hickman Director Jun 1975 9 Mar 2026 23 other companies
ROYAL LONDON MANAGEMENT SERVICES LIMITED Corporate secretary Not published 31 Jan 2024 –

Other companies run by these 4 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
77
closed down
35
are FCA-registered
7

In the full report: all 77 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 7 on the FCA register, including one no longer authorised
  • The 2 companies these 4 directors run together
  • All 14 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2021Full accountsAudited

Turnover

£15.9m

+29% from £12.3m

Profit before tax

−£32.0k

Up £1.05m from −£1.08m

Net assets

£2.33m

Up £2.69m from −£353k

Cash at bank

£3.55m

+299% from £889k

Turnover and profit

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.

Accounts filed at Companies House for company 07162252. 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 Life’s history from the FCA register and Companies House, newest first.

Key events (8) All events (55)

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

2016

6 April 2016

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

Companies House

2014

2 January 2014

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

FCA register

2010

18 February 2010

  • Incorporated at Companies House

Companies House

In the full report: all 55 events

  • All 55 events in its history (8 shown here)
  • Every director appointment and resignation: 24
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Firms connected to Responsible Life

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

connected firms
3
share a director
3
share its postcode
1

In the full report: all 3 connected firms, named

  • How each is linked: shared directors (3), 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 Life

Other firms of the same type (mortgage adviser or broker), nearest first.

In Plymouth

2000 Mortgages.co.uk LtdPlymouthAuthorisedBalance for Business LtdPlymouthAuthorisedClan Financial Services LimitedPlymouthAuthorisedDraper & Co LimitedPlymouthAuthorisedLEA Financial Services LimitedPlymouthAuthorisedMortgage & Insurance Services (Sw) LtdPlymouthAuthorised

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 Life

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

  • 77 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 55 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Responsible Life Limited FCA authorised?
Yes, Responsible Life Limited (FRN 610205) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2014 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Responsible Life’s phone number and website?
The FCA register lists the phone number 0808 168 1021 and the website responsiblelife.co.uk for Responsible Life. If you were given different contact details, use these to check with the firm before going any further.
Is Responsible Life a scam or clone?
Responsible Life 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 Life?
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 Life to the Financial Ombudsman Service, free of charge.
Who owns Responsible Life?
Responsible Life 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 Paul Edward Starkey and Steven Thomas Wilkie.
Who runs Responsible Life?
Companies House lists 4 directors of Responsible Life: Richard McKinney, Ian Williams, Benjamin John William Hampton and Bernard Leigh Hickman.
How long has Responsible Life been in business?
The company was formed on 18 February 2010, and has held its current FCA authorisation since January 2014.
What do Responsible Life’s latest accounts show?
Its latest accounts, to 31 December 2021, show turnover of £15.9m (+29% from £12.3m) and profit before tax of −£32.0k (up £1.05m from −£1.08m).
Does Responsible Life use any other names?
It trades as Mortgages from Responsible Life, Responsible Equity Release, Responsible Mortgages, Royal London and Royal London Equity Release Advisers, and 1 more names. It has previously used 7 other names, including Equity Release Guru, HNW Lifetime Mortgages and Reader¿s Digest Equity Release.

Sources and links

The full report on Responsible Life Limited

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