RESPONSIBLE LIFE LIMITED
Company number 07162252 · Monitor this company
Executive summary
Responsible Life has established itself as a meaningful mid-tier player in the UK equity release advisory market, with approximately 7% market share and strong revenue growth of 29% in 2021. However, its profitability remains substandard relative to typical financial advisory benchmarks, with EBITDA margins of only 1.3% reflecting heavy investment in growth infrastructure and compliance. The Royal London backing provides significant strategic advantage through capital support, brand credibility, and product distribution capability, but the company faces considerable near-term headwinds from rising interest rates, regulatory scrutiny, and cautious consumer sentiment that are compressing completion rates and average case sizes. The long-term demographic thesis for later life lending remains compelling, but translating this into sustainable margin performance will be the critical test for this business.
Shareholders' funds
£2,334,279
Balance sheet as at 2021-12-31
Overview
- Company type
- Private Limited Company
- Incorporated
- 2010-02-18
- Employees
- 0 (2021 accounts)
- Registered office
- Princess Court, 23 Princess Street, Plymouth, England, PL1 2EX
- Postcode
- PL1 2EX
- Capital
- 14 GBP
- Accounts category
- Full
- Charges
- 0 outstanding
Accounts
- Last made up to
- 2025-12-31
- Next due by
- 2027-09-30
- Financial year end
- 31 December
Confirmation statement
- Last statement dated
- 2026-02-21
- Next due by
- 2027-03-07
Nature of business (SIC)
- 66190 Activities auxiliary to financial intermediation not elsewhere classified
Officers 5 current · 11 resigned
Group structure 2 subsidiaries
Controlled by ROYAL LONDON MUTUAL INSURANCE SOCIETY,LIMITED(THE) — since 2021-07-01
-
RESPONSIBLE LIFE PENSIONS LIMITED Dissolved
From persons-with-significant-control filings on the public register.
Contact details
- Website
- responsible.org.uk
- Phone
- 08000485384
Our expert equity release specialists are on hand to advise on how you could release tax free cash from your home. 5* Trustpilot rated.
Previous registered addresses 1
| Address | Changed on |
|---|---|
| EGISTERED OFFICE CHANGED ON 24/04/2012 FROM, FLAT 1 8 LANGCLIFFE AVENUE, HARROGATE, HG2 8JQ, UNITED KINGDOM | 2012-04-24 |
Among its peers
Top 5%
by shareholders' funds, of 33 similar companies in PL
Trading since 2010.
Competitors Plymouth
This company ranks 1 among activities auxiliary to financial intermediation not elsewhere classified in Plymouth.
The class of 2010
32%
of the 514 companies in this sector incorporated in 2010 are still active today; 65% have since been dissolved.
A fact about the year, not a forecast for this company.
Property in England & Wales 3 titles
- Leasehold
- 3
- Most recent registration
- 2024-05-24
- Where
- City Of Plymouth (3)
| Title number | County | Tenure | Registered | Price paid |
|---|---|---|---|---|
| DN769515 | City Of Plymouth | Leasehold | 2024-05-24 | — |
| DN741213 | City Of Plymouth | Leasehold | 2021-10-06 | — |
| DN708165 | City Of Plymouth | Leasehold | 2019-01-09 | — |
For addresses and the authoritative register entry, use HM Land Registry's official search (£3 per title).
Information produced by HM Land Registry. © Crown copyright 2026. Dataset as at 2026-08.
This company's registered activities are in financial services. If it carries on regulated business, it should appear on the FCA's Financial Services Register — the official record of authorised firms.