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....

Rob provided us with exceptional service and advice.  Everything was explained thoroughly and I wouldn't hesitate to recommend him and your company.  He went above and beyond to find the right service for us and the best way for us to use our equity release.  What a truly exceptional gentleman.  You should be proud to have him working for you.

Private, Essex 14/9/20

Viva Retirement's representative, Dawn Evans, led me through the process of equity release.  With her knowledge, helpfulness and sense of humour throughout she informed me of the pros and cons, the different plans you could take out and it was all laid out very clearly, what I or my estate would owe over a period of years.  If you are thinking of taking out equity release, I would have no hesitation in recommending Viva Retirement Solutions for their professionalism and knowledge in this field.

Mrs Lumley, Leeds 13/8/20

Viva Retirement Solutions make the Equity Release process a very good experience for the following reasons:

- Special care was taken in view of the lockdown restrictions which enabled our meetings to be stress free.

- Everything was explained very clearly and I always had the opportunity to ask questions.

- Weekly contact was made, informing me of how the process was progressing and providing me with the chance to ask any further questions.

- I agreed to use Equilaw solicitors and I was swiftly referred over to them with no delay.

- The entire process took under six weeks.

Private, Essex 22/7/20

Made us feel very at ease in which Rob Polworth explained the whole idea of Equity Release.  We felt that if we havd a problem we could go back easily to explain and it would be ok.  We had no problems in getting the finances straightened out and the money came back to us very easily.  We thank you Rob and Viva Retirement, we are happy customers.

Private, Essex, 18/7/20

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

© 2020 Viva Retirement Solutions