Andy Pike


Speak to me with no obligation

Andy Pike Headshot

01865 378718

or 07854 148815

Based in Oxfordshire & the surrounding counties.

Interested in equity release?

Let me help you find out more

Working with the UK's leading providers:

We only deal with lenders approved by the Equity Release Council:

Use our instant equity release calculator to see how much you could unlock

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+ Tell us about yourself

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Hi, I’m Andy Pike a fully qualified equity release specialist based in Oxfordshire & the surrounding counties.

I have 32 years of industry experience. I provide professional equity release advice to those aged 55 and above.

Many of my clients now find that releasing some of the wealth from their home can help with things such as: home improvements, paying off existing mortgages, clearing debts, dream holidays, second homes, school fees and helping with children’s house deposits.

Modern Lifetime Mortgages stand at the forefront of financial planning by providing access to tax free capital to spend as required with no repayments required during your lifetime unless you choose to, and whilst you retain full home ownership.

I work with Responsible Equity Release who are an award-winning name in equity release. I’d like to discuss with you the features and savings of the different plans that Responsible have extensively sourced and negotiated on your behalf from providers who include names such as Aviva, Just Retirement, LV, Legal & General, Hodge Lifetime, More 2 Life, Pure, One Family and Canada Life.

My Service to You

I offer an initial meeting/discussion either by telephone or face to face without obligation and without charge. Together, we would work through the following:

  • Whether equity release is a suitable route for you now or possibly later.
  • I’ll explain in full how equity release works and its impact on you & others.
  • Discuss all alternatives and provide access to these options if needed.
  • My recommendation will be based on your needs.
  • If the recommended route is to proceed with an arrangement, then you will be presented with a Key Facts Illustration (a client specific illustration).
  • If you are fully happy to proceed, I will help you with the application process.
  • When an application is completed, you will receive a suitability letter that will fully explain why the Equity Release product has been chosen.

If you wish to ask initial questions or discuss equity release without obligation then feel free to call me on

01865 378718 or 07854 148815

or alternatively email me via

We offer Lifetime Mortgages from the whole of market from lenders approved by the Equity Release Council

Choosing the right company to help you release money from your home is important. We pride ourselves on service and maintain a reputation for offering lifetime mortgages from the whole of market, from lenders approved by the Equity Release Council.

This means we are unbiased and work for you and you alone, it doesn't matter to us which of the lenders we recommend, as long as it is the right one.


We would not hesitate to recommend Andy and 'Responsible' to anyone!

Andy Pike of 'Responsible Equity Release' has arranged for us to raise money on our home recently. Through his expert guidance, we have been able to get a very much lower rate of interest than we had before, which will save us a considerable amount of money. We have dealt with Andy before and always found him extremely helpful and very patient, always ensuring we fully understood each stage in the procedure before moving on to final completion. We would not hesitate to recommend Andy and 'Responsible' to anyone considering equity release.

2021 – Mr & Mrs Mears, Hampshire

Andy Pike Highly Recommended

I highly recommend Andy Pike whom I consulted about Equity Release. His advice was clear and comprehensive. There was no pressure to proceed and when I eventually did go ahead, Andy found me a very satisfactory product and was extremely helpful throughout the process, making it all a stress-free experience. Andy was proactive in keeping things going but never pushy and as a result the whole matter was completed promptly with a highly satisfactory outcome. Thank you Andy.

2021 – Cee Cee, Oxfordshire

Andy Pike - Very Professional

Andy Pike always acted in a professional and efficient manner. Andy dealt with all the issues in a timely manner to complete my mother's very time sensitive re-mortgage of her Life Time Mortgage. In addition we had Christmas/New Year plus the challenges of Lockdown. Highly recommended & Many Thanks

2021 – Rakesh, Oxfordshire

A Huge recommendation for Andy Pike

I was introduced to Andy Pike during a very dark phase of Covid. He was a Prince amongst men - stepped in with calm and good advice. Nothing was too much trouble for him, and he guided me through each stage with great patience and care. I am truly indebted to him and thank him for being a life saver for me and my circumstances. I sleep soundly now - Thank you Andy Pike.

2021 – Mrs Kerr, Oxfordshire

Andy Pike - efficient, trustworthy, knowledgeable, friendly and not at all pushy. Good combination!

We first me Andy Pike from Responsible Life, a few years ago when we were investigating potential equity release on our home. We were very impressed indeed as he was both very knowledgeable, friendly, professional, and not at all pushy. He was able to explain everything in detail put our minds at ease and answer all queries impartially. So when we decided the time was right a few months ago, we immediately contacted him and again he dealt with our whole application with great efficiency and kept us in the loop the whole way. Andy is really easy to deal with and very trustworthy. A big thank you to him and it has proved an excellent way forward for us.

2020 – Arthur & Wendy Sinclair, Oxfordshire

A First Class Service

We owe a great deal of thanks to ANDY PIKE. From our initial enquiry through to completion, he was an excellent adviser. His clear expertise, allied with a very engaging personality, made us feel extremely confident. He showed great attention to detail and made sure we fully understood and accepted all the various aspects of our financial undertaking. We received a first-class service and are much indebted to ANDY for his efforts.

2020 – Chris John, Northamptonshire

Equity Release experience

Our equity release was overseen and illustrated by Andy Pike. From the outset he was clear, understanding and knew what our needs were. This was a time of Covid, but Andy was appropriate in his home visit, ensuring all safety measures were in place. From the outset till the time we received our release, he was excellent. It was a professional experience that was almost given from a friend.

2020 – Keith, Oxfordshire

A thank you to Andy Pike

Thank you very much, from both of us, for your efficient and kindly way of taking us through the process. It has been a great comfort to know that we could ask you anything, get a full and clear answer, and not feel stupid for asking in the first place. Equilaw have an amazingly efficient process too, and the lawyer who came to the house for all the signing and clarification was well-informed, thorough, and very pleasant to work with.

2020 – Joy, Somerset

Andy Pike guided us through all the details

Andy Pike guided us through all the details of Equity Release along with all the costs and charges, and every question was answered. Everything was made clear to us and we knew we were in safe hands. Andy was cheerful, very knowledgeable and a pleasure to meet. From start to finish it took just over 3 weeks to receive our money!! We will definitely be recommending Andy to any of our friends who may be interested in taking out Equity Release on their homes. Thanks Andy for making it all so easy.

2019 – Sandra and Bob Helm, Oxfordshire

Very professional

Andy Pike was very professional and extremely helpful with explaining the various aspects of Equity Release. From our first meeting through to completion Andy was always available to address any questions and keep us advised of developments.

2019 – Ray, Berkshire

Honest impartial advice

I would recommend Andy Pike to anyone considering equity release. He talked us through the whole process in a way that we could understand, there was absolutely no pressure and we could easily contact him with any queries. The whole process was very easy as Andy had gone through everything with us.

2019 – Modges, Oxfordshire

Andy Pike - a true professional!

Andy Pike gave us a highly professional, uncomplicated and prompt service. Everything was tied up very quickly and at every stage we were kept fully informed and also given the proper warnings about the risks. Andy was a pleasure to do business with and I cannot recommend him highly enough.

2018 – Mike Sauvage, Oxfordshire

Excellent and impartial.

The equity release advice we received from Andy Pike was excellent and impartial. He explained every aspect and was very patient and informed. We would highly recommend Andy to anyone and the whole process was completed in about five weeks even though Easter was in the middle of the process.

2018 – Mr and Mrs Taylor, Oxfordshire

Helpful, professional and clear.

Andy Pike was very helpful, professional and clear in his advice and explanations. I would have no hesitation in recommending him.

2018 – Tina Wraith, Oxfordshire

Impartial Advice.

The advice from Andy Pike was both impartial and informed. It helped satisfy any concerns I had about the implications of equity release. I can recommend Responsible Equity Release to anyone.

2017 – Julia Annand, Oxfordshire

Good sound advice.

Andy Pike gave us good sound advice and the whole thing was completed in 5 weeks in a very professional manner. I would recommend him to anyone.

2017 – John Kilbee, Oxfordshire

We recently took out a loan plan with Responsible Equity Release.

Andy Pike who looked after our requirements did a first class job.

His presentation, the information he told us about the company was very good. Andy made you feel very at ease in the very relaxed meeting my wife and I had with him.

After the finances were discussed and settled we went home to mull things over. There was no pressure put on us at all. Also if we decided against the plan there would be no charge to ourselves. Once we decided to go ahead the procedure was swift and efficient. I think the whole process from first meeting to having the cheque paid in to our bank took about 6 weeks. I would certainly recommend Andy and Responsible Equity Release.

Thank you to all concerned.

2017 – Mike Mansell, Newbury

A foreword from our Managing Director

Equity release has come a long way since regulation in 2007, as the UK's 55 + population looks to safely take advantage of their biggest asset to fund their ambitions. We set up Responsible Equity Release to work with the growing number of people who want to use equity release as a sensible, responsible way to improve their lifestyle.

Lifelong aspirations, debt-clearance, income top-ups or family matters may be the reason you have enquired about equity release. Now it is time to see if equity release is the right way to achieve your aims.

Our mission is to simplify equity release and debunk the myths, without taking away any of the detail and information that will help you make your decision. We'll also bring our new moneysaving features to life using examples based on industry facts.

Yours faithfully,

Steven Wilkie MSc LLB
Managing Director