VIVA RETIREMENT SOLUTIONS - LONG LIVE RETIREMENT

 

A lifetime mortgage is a long term commitment which could accumulate interest and is secured against your home.   

Equity release is not right for everyone and may reduce the value of your estate

Equity Release Council

Our fee for arranging a Lifetime mortgage is £750 payable only on completion. 

Research has shown that some companies charge over £1,500 or 1.95% of the loan, whatever is greater, for this service including a letter of suitability. 

 
Viva Retirement Solutions is a trading name of Viva Retirement Ltd and is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is regulated by the Financial Conduct Authority.

Registered Office: 4 Severnvale, London Colney, St Albans, Herts, AL2 1TE

Registered Company Number: 10756078 Registered in England & Wales

© 2019 Viva Retirement Solutions

 2018 TESTIMONIALS

Take a look at the happy equity release clients we helped in 2018.  Please contact us if you would like to be this happy!

Our adviser acted in a very professional and helpful manner throughout the whole process.

(private) - 01/07/2018

I have nothing but praise for Mark Lambert and his staff. My rather complicated request to extend the Equity Release on my property was handled with patience, care and profession expertise. 

Mark's explanation of each stage of the proceedings were very clear and proved to be accurate and simple to put into practice. 

I felt that I could approach Mark at any time with my concerns and that he would listen attentively and provide the answers I needed.

Thank you Mark

Miss Foster - 03/07/2018

Suffice to say that I would recommend Viva Retirement Solutions to anyone seeking to release equity from their property.​

(private) - 30/04/2018

As I recently recently lost my husband, I found Mr Saroya very helpful in the circumstances.

Mrs H - 15/05/2018

Dave was very professional, friendly and efficient. We were delighted that there was no 'hard sell' at any stage and we had as much time as we wanted to make our decisions. Dave provided clear, unbiased information and responded to our many questions with patience and detailed answers. 

He understood our requirements absolutely and we trusted him.

The whole process ran very smoothly and was completed in a surprisingly short time. 

We were both very impressed with the service provided by Dave at Viva Retirement Solutions

(private) - 10.05.2018

The service we received was able to take away a lot of worries surrounding Lifetime Mortgages

 

(private) - 26.04.2018 

Everything appeared to go smoothly & I am satisfied with the outcome. Mark was very helpful through it all.

Everything appeared to go smoothly & I am satisfied with the outcome. Mark was very helpful through it all.

(private) - 21/03/2018

We found Viva to be very helpful and informative.

They got us the best deal for a fraction of the fee other brokers were charging. Overall I would recommend Viva.

(private) - 14/02/2018

We would highly recommend Dave Hulin for his friendly and thorough professional advice on all aspects of our application through to completion.​

Mr & Mrs Dean - 17/02/2018

I found it all to be a very easy process from start to finish. Dave Hulin, my advisor, was very good and was always there to answer any questions I had. 

I would recommend them to anyone looking for Equity Release.

Mrs Lee - 12/02/2018

Viva Retirement Solutions dealt with the Equity Release procedure in a professional and timely manner. I had a lot of questions about the procedure and Mark was always happy to answer all my queries.

(private) - 14/02/2018

PROFESSIONAL, APPROACHABLE, RELIABLE AND FRIENDLY!

Quick response from start to finish.

We can certainly recommend Paul Saroya and Viva Retirement Solutions.

Mr and Mrs Wilson  - 07.03.2018

I was very apprehensive at the thought of all the legalities I believed would be involved with Equity Release but I needed help to settle my interest only mortgage.

 

However, after my first meeting with Mark Lambert of Viva Retirement Solutions my mind was put at ease. Although it still seemed a lot to take in, Mark was at the end of the phone whenever I had any doubts or queries popping into my mind.

 

The whole process from start to finish was made so much easier than I believed possible, both with Viva solicitors and the final settlement of my existing mortgage.

 

I cannot thank Mark enough for all his advice and assistance throughout the process and have no hesitation in recommendations, plus I know Mark is at the end of the phone should I require any financial help in the future.

 

Miss C Fordham 16/12/18

A1 all the way, Top Class Service all times, Thanks to you my son is now in his new house. You have been so good. Thanks again so much.

Mr & Mrs S Somerset 2018

Paul was available at all times and although I only used emails and the telephone, I wondered if he ever clocked off!

 

Our first attempt fell through due to us not being able to work with the equity release companys’ demands and Paul was not fazed and did not object to our decision to stop proceedings with them.

 

He moved on to a new company and a deal was struck very quickly. We were given “no bull” just good honest facts which enabled us to understand the product 100%.

 

We can’t thank Paul and Viva enough. Cheers for everything,

 

Mr and Mrs Benson – 14/07/2018

Paul Saroya dealt with my Equity Release and he made it so easy and straight forward. A genuinely nice person and very knowledgeable.

 

I would rate Viva Retirement Solutions 10/10 excellent. 

Many thanks for an easy transaction.

Mr Grinsted - 21/06/2018

I was very pleased with Viva Retirement Solutions. I had been thinking about Equity Release for a few years but was very wary of making the decision. 

I felt very reassured after meeting my adviser and am pleased that I made the decision to go ahead

(private) - 30/05/2018

Paul was really helpful, even when I wasn't sure if I was going to move or not and made sure that he always answered my questions.

C Conway  - 14/05/2018

From start to finish the process was very easy - Thank you

 

(private) - 02.05.2018 

I sent an initial enquiry to 4 companies, and had a response from Paul Saroya within an hour, which is why I decided to use Viva's services. I was acting in my power of attorney capacity, which made the process more complex, but Paul was very knowledgeable about how to proceed in this situation.

There were no delays and the process took just over 3 months from initial enquiry to completion. In short I had every confidence in Paul and found him to be extremely knowledgeable about the product he was selling and very professional in his dealings with me and others involved.

 

I would have no hesitation in recommending him to others looking for a Lifetime Mortgage.

We found Gerard Hucker to be very professional. He explained everything in detail and made sure we fully understood the products available to us. He was quick to respond to any queries we had. Thank you Gerard for making this a painless experience for us.

 

Mr & Mrs P Liverpool 2018

Mark Lambert, our adviser, had exceptional knowledge of his subject and the available products for our particular needs. He guided us very quickly in the right direction for our very specific requirement. 

Very helpful indeed and I would most certainly recommend him

(private) - 4/07/2018

Very efficient service. Outlined the whole process in an easy to understand way. Any queries I had were dealt with quickly.

(private) - 03/05/2018

Paul Saroya of Viva retirement Solutions handled the whole business of obtaining Equity Release through a Lifetime Mortgage for me with such ease and clarity. As an elderly client he went at my pace, discussing the best plans for my requirements and instilling in me the confidence I needed to undertake what I thought would be a daunting process, with such courtesy and professionalism, I was astonished as to how easy he made it all seem.

Mrs Cutler - 25/05/2018

Excellent service and on a personal level offered by Paul, many thanks.

Mr and Mrs Wong  - 15/05/2018

I would thoroughly recommend Paul Saroya and Viva Retirement Solutions. I found him to be both quietly professional and friendly, without any pressure put on me at all.

I felt completely confident in his ability to reach the right outcome that was needed.

 

Mrs F - 02.05.2018 

The whole experience was very good from start to finish.

 

(private) - 29.04.2018 

Mark Lambert demonstrated both "best practice" and "clinical excellence" concerning financial matters towards my recently widowed 85 year old mum. 

From the very first phone call my mum and I were completely confident of his ability as a financial adviser.

He has extraordinarily good communication skills and took  great care with my mum, who has poor hearing, in explaining & listening to her concerns.

The report that was generated from our face to face meeting was clear & easy to read and was quickly produced. 

Mark was brilliant with me, the daughter, who was doing all of the admin to assist my mum. He was there at the end of the phone/texting and dealt with all of my concerns usually immediately or within a quick time frame if my questions needed further consideration.

Mark was our financial guardian angel who we wouldn't think twice about recommending to our family and friends.

Huge thanks to him at Viva Retirement Solutions.

(private) - 16/02/2018

An excellent and highly professional service

(private) - 24/02/2018

Gerard explained everything fully including any queries we had regarding the process. My mother (95) & I felt confident we were listened to and not made to feel we were asking ‘stupid’ questions.

We were constantly kept informed how everything was progressing and were very very happy with both Gerard & Viva. Totally Stress-Free Transaction. We have already recommended Gerard & Viva to a work colleague.

Miss & Mrs C Bognor Regis 2018

Before starting the Equity Release process my main concern had been choosing the right financial adviser. 

There seemed quite a lot to trawl through on the Equity Release Council website and my experiences were mixed.

When I contacted Viva Retirement Solutions and spoke with Mark Lambert I quickly felt this was someone I could work with. There was never any pressure from him. I was given time to digest information Mark gave me before committing to next steps.

The timeline for the process was quick and efficient with Mark being 'spot on' when various stages of the process would happen.

Mark encouraged me to keep in touch with him via phone calls, text messages  and emails throughout the process which was very assuring

(private) - 02/07/2018

Very efficient service. Outlined the whole process in an easy to understand way. Any queries I had were dealt with quickly

(private) - 03/05/2018

Paul provided us with timely, helpful and clear advice. His professional service resulted in us achieving our aims.

A thoroughly professional service.

Mr and Mrs Royle - 19/05/2018

Very pleased with all aspects of Viva Retirement Solutions. 

Thank you Dave for all the help and guidance, I couldn't have done it without you.

B Ranyard - 17.05.2018

We felt confident that Mark was efficient and thorough in identifying the equity release plan best suited to our needs.

 

(private) - 29.04.2018 

We cannot praise and thanks Dave, our adviser, enough for his professionalism and kindness throughout the process of obtaining an Equity Release / Lifetime Mortgage for us for the purchase of a new home.

We wanted to move closer to our family because our granddaughter developed a life-changing health condition. 

Buying our new house turned out to be more stressful than we had hoped, but Dave was with us all the way and his wealth of experience and his calming influence made the whole process bearable. 

We are now settling into our new home and will always be grateful for everything he did for us.

Thank you Dave!

Mr & Mrs Moorhouse - 7/03/2018

Whilst we were possibly the first to approach Viva with our unique requirements, Viva quickly appreciated these and responded accordingly.

(private) - 14/02/2018

I was very happy throughout the process which was quick and reasonably easy. Dave from Viva explained everything very clearly & ensured I understood each aspect as we went along. I felt confident that I understood what was being explained to me and that I understood all implications of Equity Release.

 

I would recommend Viva Retirement Solutions.

Mrs Canty - 10/02/2018