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0800 028 3142

Phil Totty

Independent equity release adviser Certs CII (MP & ER)
Phil Totty


I started in financial services almost 30 years ago. During this time, I’ve had a career ranging from high street banks and insurance companies as both Adviser and Senior Manager, through to being a Mergers and Acquisitions Consultant. Since 2017, I’ve specialised in the fascinating later life market.

My North Star

I’ve always looked after people in a way I’d want for myself, or my own family. I take pride in looking after people personally every step of the way, and in a way that best suits them, either over the phone, visiting them at home, or a combination of the two.


I have always strived to make a positive difference in life, I’m particularly proud of my achievements in helping mental health, and disability charities. I have the same ethos with my work, and take great satisfaction from helping people, allowing them to enjoy their retirement and assist their families.


I’ve lived most of my life in the North East and North Yorkshire - an area which I love. I’m lucky that I’ve two adult children living in Edinburgh and London allowing me to visit on a regular basis. I spend most of my spare time socialising with friends or cycling.

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What our customers said about Phil

From initial conversation from internet enquiry to 1st meeting - NO pressure, no hassle conversations with Phil Totty. Process... READ MORE
Mr W - Bedlington, Northumberland
Adviser made the whole process easy to understand and gave good advice.
Mr D - Stockton-On-Tees, County Durham
Adviser was very helpful. Always replied to my phone calls and made the process run smoothly.
Mrs N - Whitley Bay, Northumberland
Phil was brilliant and kept us well informed.
Mr P - Kippen, Stirlingshire
Phil Totty was so helpful & put us at ease straight away. The whole process was really quick, v easy, friendly & efficient.... READ MORE
Mr S - Spilsby, Lincolnshire
We greatly valued the help & support from Phil Totty. Nothing was too much trouble. He was reassuring & efficient. He always... READ MORE
Mr C - Whitby, Yorkshire
Excellent process from start to finish. Everything explained in simple terms & loan completed within the time indicated.... READ MORE
Mrs C - Keith, Moray
Phil was friendly, but very professional, and went through the whole process, and its implications in great detail and to... READ MORE
Mrs E - Wetherby, Yorkshire
Very professional outfit. Phil Totty helped us through & was always available at the end of the phone if we had any queries.... READ MORE
Mr G - Middlesbrough, North Yorkshire
Phil Totty was very professional & is very knowledgeable in all areas of equity release. He kept us upto date regularly.
Mrs B - Durham,