Ian Akeroyd - Responsible Life

Independent mortgage adviser  The Limes, Cheltenham, Gloucestershire, GL50 3AW
First meeting at adviser's own cost
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 desired. No repayments are required during your lifetime and you retain full home ownership, meaning that you can continue to live in Cheltenham throughout your later life.
We can advise you on
Buy my next home
Buy to let
Equity release
High loan to value
Next home / Remortgaging
Response rating
FCA authorised
Last authorised 25th January 2021
Meet our advisers
Ian Akeroyd

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

This qualification assesses a knowledge and understanding of the principles of equity release, the different types of schemes available and the circumstances where equity release is an appropriate solution for the customer.

What our clients say
Ian had to go the extra mile with our equity release as the first lender withdrew because our expenditure plans were apparently too sensible! So Ian has to dig around and managed to come back with a second offer that progressed painlessly and swiftly to completion. Thank you Ian, for your perseverance and professional approach. On top of this he’s quite an amiable chap as well!
Martin Evans, Cheltenham
I contacted Responsible Life for details of equity release. I met with Ian Akeroyd, who was very thorough in his explanation of the plan that the company was offering. He explained how it worked and offered different ways to approach the equity release that we wanted. He made very good suggestions as to how to proceed. At no time did I feel under any pressure to accept his recommendations. He guided me through the process and was always quick to answer my questions throughout the stages. As a result I now have the funds to do as I had wished, and it has made my life easier. It was one of the best decisions that I have made, and made easier by having good professional help from Ian Akeroyd. I would recommend him to anyone considering equity release. Alfred Worthington
Alf Worthington, Wigan
Ian Akeroyd was great to meet and we were able to discuss many shared interests as well as property & finance. This made our meeting very easygoing and helped with our decision making. Ian was able to offer a wide range of whole of life mortgage products. This allowed us to refine our choices until we found the best match for our current & future circumstances. Thank you very much to Ian and RER. DB & B, Glos.
David Bainbridge, Gloucestershire
We had an excellent experience . Our manager explained everything and helped us through the whole process. He was also a friendly with a good sense of humour.
Meave Cray, Gloucestershire
This is not my first go with equity release, first one was in 2011 with 6 subsequent withdrawls. Average rate for the six loans with 5.15 % compounding daily. Loan would double in 10 years Read about Reponsible Lending, with a lower rate, Ian secured a toal refinance of my LV agreement, at 2.71%, compounded monthly, Now this new loan doubles in 20 years. Ian very helpful, but I knew exactly what I needed he helped fine tune my needs. John Rohrbeck Stroud Gloucestershire.
John R, Gloucestershire
About us

I work with Responsible Equity Release, who are an award-winning name in equity release, to provide lifetime mortgages to the Cheltenham, Gloucester and Cotswold areas. 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.

Our services

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.

Where to find us
Head office address: The Limes, Bayshill Road, Cheltenham, Gloucestershire, GL50 3AW
Preferred clients
Minimum mortgage value
Special offers
Choose an Unbiased exclusive special offer:
Advice methods
  • phoneButton
  • icons
    Face to face


Response rating
FCA authorised
Last authorised 25th January 2021

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