About Richard
Richard is based in Banbury, Oxfordshire, and has worked in the financial services industry for his entire career, spanning over 43 years. He started in banking at the age of 18, spending nearly nine years with TSB Bank before joining Abbey National Financial Services as an Independent Financial Adviser. He then moved to Aviva (formerly Norwich Union) in 1992 in the same capacity, and from 1998 began specialising in equity release.
In 2013, Richard joined The Right Equity Release as an Independent Equity Release Adviser, providing whole-of-market equity release advice. He continued in this role at The Equity Release Experts from 2020, before joining RightHomes Equity Release in 2023.
With over 28 years of experience advising in the equity release market, Richard is extremely knowledgeable in this field. His primary objective is making sure that equity release is right for the customer and, if it is, that they have the right product for their circumstances.
All initial consultations are free of charge, with no obligation to proceed.
Qualifications & Experience
- DipPFS — Diploma in Regulated Financial Planning (Chartered Insurance Institute)
- CeRER — Certificate in Equity Release (Chartered Insurance Institute)
- Certified Member, Equity Release Council
Career Background
- Independent Equity Release Adviser, RightHomes Equity Release (Oct 2023 to present)
- Independent Equity Release Adviser, The Equity Release Experts (Jan 2020 to Oct 2023)
- Equity Release Specialist, The Right Equity Release Limited (Jul 2013 to Jan 2020)
- Financial Consultant, Aviva (equity release from 1998) (Oct 1992 to Jul 2013)
- Financial Consultant, Abbey National Financial Services (May 1991 to Oct 1992)
- Customer Service Adviser, TSB Bank Banbury (Sep 1982 to Apr 1991)
Areas of Expertise
- Lifetime Mortgages — Whole-of-market advice on releasing equity from your home through an FCA-regulated lifetime mortgage, with no monthly repayments required.
- Later Life Lending — Guidance in relation to retirement interest-only mortgages and other later life products for clients aged 55 and over.
Equity release is not suitable for everyone. It will reduce the value of your estate and may affect your entitlement to means-tested benefits. A lifetime mortgage is secured against your home. Always seek independent legal advice before proceeding.