David Farrell


Speak to me with no obligation


David Farrell Headshot

0777 981 9891

0800 246 5698

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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Hi, I’m David Farrell a fully qualified equity release specialist covering South Yorkshire and surrounding counties.

I have over 15 years of industry experience. I provide professional equity release advice and I am more than happy to meet with you, without any obligation on your part, to discuss what equity release is, how it works, and how much you could release. Helping to put you in an informed position so that you can make the right decisions about equity release for you and your family

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 holiday homes, paying for school fees and helping with your 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

0777 981 9891 or 0800 246 5698

or alternatively email me via david.farrell@responsiblelife.co.uk

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.


Excellent professional, friendly, helpful company.

"Our introduction to Responsible Equity was through their Adviser, David Farrell. Professional, genuinely helpful, straightforward, very thorough in taking us through the whole process.

After spending ages checking out the whole business of equity release, we saw four different companies but easily plumped for Responsible Equity Release because of the manner in which David clearly explained, researched and presented the right product for us (which we're very pleased with). So efficient in dealing with all our follow on queries, quick responses, well explained in a friendly and professional manner. He really went the extra mile, chasing up queries, responding at weekends, etc. So much uncertainty and potential stress was taken away from us.

Really appreciated how he focused on meeting what we jointly identified as our specific needs. No pushing or selling anything else, we can unequivocally recommend using David Farrell at Responsible."

June 2019

This was an easy process.

"This was an easy process, carefully explained and our few queries were answered. We were happy with the process from start to finish. There is no pressure and if this is the route you want to take having considered your options then I would say this is the company to use."

March 2019

David is polite, friendly and thorough.

"David Farrell is polite, friendly, thorough and generally an all round nice bloke. We felt under no pressure to complete on our discussions and were told numerous times that we can change our mind right up to signing with the solicitor at no cost to us. We would highly recommend David and his organisation to help you come to your own decision with full and thorough knowledge.

Thank you David."

February 2019

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