Then Equity Release could be the way of release money from your home without you having to leave it or downsize. You could spend it on home improvements, helping the family, funding your retirement or that dream holiday…..

Equity Release allows you to unlock tax free cash that is currently tied up in your home without you having to move or make a monthly interest payments. Think of equity release as a reverse mortgage whereby you use money now to do as you wish and a fixed rate of interest is attached to whatever you have taken. The interest then adds on to how much your property owes, usually on a compounding basis, and is paid back only when the last surviving applicant has died or gone into long term care.

However, having said this you can make repayments as and when you want to, within the specified limits set out by each lender. These repayments can also stop and start and increase and decrease to give you greater flexibility.

All of the Equity Release plans include two very important guarantees......

  • A guaranteed right to remain living in the property that you have released equity from, either for life or until you need to go into long term care.

  • No Negative Equity Guarantee - which essentially guarantees that the amount to repay the equity release plan on death or entry into long term care can never exceed the value of the property itself, and so no debt can ever be left behind for your beneficiaries from the equity release plan.

The amount you can borrow will depend on your property value (minimum £60,000) and your age (youngest has to be over 55). Some providers do not have a maximum age limit, so you are never too old to benefit from an equity release scheme.

We only use providers who are members of the Equity Release Council, you can see what this means here. We also cover the whole of the equity release market which allows us to find you the best solution for you and your family.

We believe at Viva Retirement Solutions that if we treat you as if you were a member of our own family – then you will receive the best possible Equity Release advice. In many cases we work alongside your family members to ensure that the equity release solution we provide is right for the whole family. As well as this we have some of the most competitive fees in the market.

Every situation is different and so we can tailor our bespoke advice using many different types of Equity Release plans to your specific situation. Find out more about mortgage types including Lifetime Mortgages here.

It is very important that we weigh up your alternative options, before deciding if Equity Release could be the right thing for you. To find out more about why people take out equity release, please click here.


What Our Equity Release Customers Say....

Dawn was excellent from my first phone call through to finalising my plan.  By far and away better than other companies I had spoken to.  The complete process was dealt with quickly and efficiently. She is certainly a credit to your business and nothing was too much trouble.  I would have no hesitation recommending Viva Retirement Solutions to anybody considering an equity release plan.  Many thanks for all the help and comprehensive advice and professionalism we received from Dawn Evans and Viva Retirement Solutions as a business.

Private, Yorkshire, 31/12/20

Russell made this whole process easy to understand and we both felt confident about all the information given.  There is alot to think about with retirement equity plans and we believe we were given the best advice possible at a very fair price.

Private, Buckinghamshire, 18/12/20

We were looking to re-use some equity from our house, but were very worried about what we had heard about equity release.  However, having been recommended to Liz Murley, we set up an initial meeting.  Liz took the time and trouble to fully explain the products, why they were different to the 'old' products and all the sagfeguards that were in place.  It helped that Liz was very friendly and extremely well qualified in the industry.  She arranged an excellent deal for us with excellent rates.  We did have some problems in relation to our house move and eventually switched the mortgage onto our existing property.  Liz sorted everything out very efficiently and without fuss.  She was always available to speak to and very prompt on replying to emails.  We were delighted with the service she provided.  Liz comes highly recommended by us.  She was polite and friendly and very professional.  She stayed on top of the problems we had.  Ten out of ten.


Mr and Mrs Morgan, Dorset, 12/12/20 


See more testimonials here

Considering Equity Release? Are you:

A UK Homeowner?
Is your property worth more than £60,000?
Aged over 55?
Keen to stay in your own home?
Looking to unlock tax free money?
Planning a comfortable 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

© 2021 Viva Retirement Solutions