Here you are at our lifetime mortgages page.  We know you are here to find out more and our goal is to help you through the minefield that is later life lending.  We know you have goals to achieve, whether it is raising funds for home improvement, helping the family, or you still have payments to make on your mortgage, we are here to advise you on the best solution for you.


We are always asked about age restrictions and all our lifetime mortgages start at 55 and there is no upward age limit.  In addition, there are no health or qualifying checks, but the better your health, you could be offered a more competitive solution.


Not sure what solution to go for, we can advise about interest only lifetime mortgages (retirement/pensioner mortgage), Roll-Up Lifetime Mortgage/RIO Mortgage and Home Reversion Plans. 


Already have a lifetime mortgage, but not happy?  Why not call us to find out how we can change your mortgage provider for you.


Whatever your situation, why not contact us for a free, no-obligation meeting or call to discover if a lifetime mortgage could be right for you.

lifetime mortgages
lifetime mortgages
lifetime mortgages
lifetime mortgages



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