lifetime mortgages

Are you:

A pensioner or retiree?
Aged 55 or above (no age limits apply)?
Looking for a new mortgage solution?
Owner of a property valued over £60,000?


Then a Lifetime Mortgage could be the solution for you. A Lifetime Mortgage can be a great solution as a retirement mortgage, old age mortgage or a mortgage whilst on a pension.  The amount you can borrow will depend on your property value (minimum £60,000) and your age (youngest must be over 55).

It is of course advisable to see if you can get a conventional mortgage first, but these can often be hard to come by due to age and income, even though the high street banks and buildings societies have supposedly loosened their requirements. Many people come to us after being turned away from taking out a conventional plan.

Lenders do not accept applications directly from customers so you must seek independent financial advice before an application will be accepted. This is where we come in, as not only are we are able to assess your situation and consider the pros and cons of a Lifetime Mortgage, but we are also able to compare the plans from all of the lenders in the market to make sure that we get the best plan for you. Due to the large number of applications we submit because we specialise in Lifetime Mortgages, we are able to access some special deals which include lower interest rates and larger cash-back deals.

The total you can borrow will depend on your age, your health and the value of your home. All our clients have a health check, but acceptance is not based on this, the main consideration is the better your health, the better the mortgage deal we can offer you.

You can decide if you want to make ANY kind of payment at all towards the interest. Many people choose to pay no interest at all so that they can live their lives more comfortably, but the choice is yours.

These mortgages for pensioners and retirees give you a real choice and, also seek to prioritise your needs by offering reserve pots, inheritance protection, cash-backs and even contributions towards some of the costs, with flexibility if you ever want to move or repay the loan in part or in full.

There are many things to consider when thinking about mortgages in retirement and so we will be happy to take you through the minefield and if a Lifetime Mortgage is indeed right for you, we will of course find the best plan out there for you.

It is very important to us to be able to help our clients achieve their goals. Everyone has different goals and so it’s our pleasure to help you achieve yours. Please contact us to find out more.

Thanks to Gerard from Viva for making the whole re-mortgage process so informative and clear and for taking the time to deal with the detail in a very professional and considerate way.  This helped me so much to make the decisions needed.  I would most definitely highly recommend Gerard and Viva Retirement Solutions



I was concerned about taking out equity release (lifetime mortgage), a friend had met Paul of Viva Retirement Solutions and suggested I phone him.  From our first meeting, I felt confident with Paul.  He has a fine balance of professionalism and a friendly manner.  He came to my home and met my daughter and son-in-law.  He talked to us explaining that what the process was and listened to our comments and concerns.  I decided to go ahead and release money from my property.  Now it is all completed and I am very pleased I did it and had Paul's guidance.  The whole process went very smoothly.  Thank you.

J Foley - 26/2/19

Completely professional as well as helpful. Clear comments at all times letting me have the information needed without making me feel like a “silly old lady”. Thanks for your consideration and getting a speedy result. Very professional, kind and sensitive to my special situation. Straight forward talk and answered all questions clearly and without hesitation: found a good solution for us.

Mrs W, Surrey  - 01/1/19

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What Our Customers Say....