Royston Holmes

Lifetime Mortgage Specialist & Director
Certs CII (MP & ER)

Worcestershire, England, Scotland & Wales

About Royston

Royston Holmes is a Lifetime Mortgage and Later Life Lending specialist based in Worcester, with a career spanning nearly three decades in senior commercial roles across the UK and internationally. Before entering the financial services sector, Royston built a highly successful career in national and EMEA-level business development, experience that instilled in him a genuine understanding of what matters to people: clear communication, trusted advice, and decisions made with confidence.

Royston entered the world of lifetime mortgages in 2019, joining The Right Equity Release Limited as a specialist adviser. In January 2020, he moved with the team to The Equity Release Experts, where he continued to build his expertise across a wide range of later life lending cases nationwide. In October 2023, Royston became a Director of RightHomes Equity Release Limited, bringing his considerable experience to help shape the direction of the firm and its client service offering.

Outside of work, Royston is a passionate motorcyclist who loves nothing more than getting out on the open road with friends. He has undertaken some truly remarkable rides, from sweeping Scandinavian landscapes to the raw wilderness of the Arctic tundra, adventures that require the same qualities he brings to every client appointment: careful planning, resilience, and a love of going the extra mile. When he is not on the road, he can usually be found with his beloved dog Margo at his side.

Qualifications & Experience

  • Certs CII (MP & ER) — Certificate in Mortgage Practice and Equity Release (Chartered Insurance Institute)
  • Certified Member, Equity Release Council

Career Background

  • Director, RightHomes Equity Release Limited (October 2023 to present)
  • Lifetime Mortgage Specialist, The Equity Release Experts (January 2020 to October 2023)
  • Lifetime Mortgage Specialist, The Right Equity Release Limited (April 2019 to January 2020)

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.

Ready to find out how a lifetime mortgage could work for you?

Royston offers a free, no-obligation initial consultation, available face to face, by phone or by video. Get in touch to start the conversation.

Book a Free Consultation Call 07948 522154

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.