Paul Murphy


Speak to me with no obligation

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0800 2465228

Interested in equity release?

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Working with the UK's leading providers:

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

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Hi I’m Paul Murphy a fully qualified Yorkshire equity release specialist based in Yorkshire covering Leeds, Harrogate and Ilkley.

I have 15 years of industry knowledge and experience. I provide transparent, honest advice to clients aged 55 and above on the benefits of releasing tax-free cash from their home. Although based in Yorkshire, I also provide specialist equity release advice to those living Cheshire and Derbyshire regions.

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, Liverpool Victoria, Legal & General, Hodge Lifetime, More 2 Life, One Family, Pure Retirement 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


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.


Knowledgeable and professional about all aspects of equity release

"From the moment Paul arrived at my house I felt comfortable talking to him. He is entirely knowledgeable and professional about all aspects of equity release and guided me to the right decision for my circumstances."

Mrs Coulson - July 2019

An extremely pleasant experience

"An extremely pleasant experience dealing with Paul. He is friendly, approachable and knows the equity release market well. Paul listened to my/our needs and met our requirements in our equity release search. I/we have, absolutely, no problem in recommending Paul to anyone whose looking to release equity from their property."

Mr & Mrs Jones - July 2019

We decided to enquire about a Lifetime Mortgage

"We decided to enquire about a lifetime Mortgage and contacted Responsible Equity Release for advice.

They put us in touch with Paul Murphy their local representative, who painstakingly talked us through all the available options and gave us a complete breakdown on what it entailed to take out a lifetime mortgage.

Having considered his advice we decided to proceed, Paul made all the necessary arrangements and gave us advice and guidance at every stage of the process, always on hand to answer our queries no matter how trivial.

Paul conducted the proceedings in a very professional manner throughout, and we would have no hesitation in recommending him personally and Responsible Equity Release to anyone considering a lifetime mortgage."

Mr and Mrs Stewart - February 2019

Paul just made it so simple

"My wife and I already had visits from four equity release companies. Then we saw Paul Murphy of Responsible Equity Release ,which was a breath of fresh air. Paul just made it so simple the way he presented, and what he said he did. Actually it all went through earlier than was expected. He was always there when we had any questions.
Thanks Paul."

Roy and Christine Price - May 2019

I had Paul Murphy who came over to my home

I had Paul Murphy who came over to my home. Very relaxed visit. With all details explained. He was in touch and there for me every step of the way. Would recommend this company to anyone.

January 2018

Responsible Life and Paul Murphy the BEST

"We have no trouble at all in recommending [Paul] to anyone who needs assistance and advice with what did seem a complicated procedure prior to being fortunate to gain the details of Paul. From the off the advice given was without delay, accurate and comforting which made us feel confident to commit to the process, of which in itself was hassle and fuss free, in short superb from beginning to end. For us there is no one else you could trust better to undertake this facility. We looked at so many, at one point we decided not to proceed, then we found Paul and Responsible Life."

December 2017

A big decision made easy by Paul Murphy

"Its a big decision made easy by Paul Murphy of Responsible life. Paul explained everything to us in detail and then left us to decide. We did not feel under pressure at any time during the process. When we finally completed Paul was still supportive with good advice. I would recommend Paul and Responsible Life to anyone wishing to release equity."

June 2018

My experience of dealing with Paul Murphy at Responsible Life

"My experience of dealing with Responsible Life has been 1st class. They actually deliver what they say, and within the timelines they quoted. Paul Murphy especially has been exceptional with his commitment to delivering outstanding customer service, and I simply could not have asked for more support or guidance through the Equity Release process. I could not recommended Responsible Life highly enough to anyone who was thinking about entering into Equity Release. They explained every step of the process right from the very start, and were very commutative throughout. Paul really did make the whole process painless and relaxing, no stress, no hassle."

June 2018

It was the right thing to do...

"After several years of considering Equity Release and making enquiries with a few different companies we chose Responsible Equity Release and were introduced to their local advisor Paul Murphy. We had already decided how much and which plan we were going to go for so Paul was able to confirm our intentions with some good advice and he was able to allay any fears or lingering doubts we may have had. His relaxed style immediately put us at ease and once we had decided to go ahead he was professional and diligent. He has been in touch with us throughout the process and it has been much easier than we could have imagined.

From start to finish has been about 6 weeks, not only are we able to enjoy the life we have worked for but are also able to provide much needed support to our family.
Neil Walmsley, Baildon"

June 2018

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