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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?

Wondering if a pensioner can get a mortgage?


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 building societies have supposedly loosened their requirements. Many people come to us for a retiree mortgage, 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 retiree 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.

(no payments needed)

  • For home owners 55 and over.

  • You retain full ownership of your house.

  • No repayments are required (instead they can be added to the loan).

  • Can have access to further funds in the future.

  • Interest rate is fixed.

(payments allowed)

  • For home owners 55 and over.

  • You retain full ownership of your house.

  • You can usually repay up to 10% of loan each year if you wish.

  • Can have access to further funds in the future.

  • Interest rate is fixed.

(payments must be made)

  • For home owners 55 and over.

  • You retain full ownership of your house.

  • You must repay the interest only element every year.

  • Cannot have access to further funds in the future.

  • Interest rate may not be fixed.


  • We offer Award Winning Advice at only £995.

  • Payment on on completion only, no upfront costs.

  • We are one of the most competitive Advice Fees in the marketplace.

  • Our nationwide equity release advisers are waiting for your call.

Please contact us today to find out how we can help you release the potential in your home with equity release.  Whether it is to help the family, do some home renovations or that holiday you have always been dreaming of. The team at Viva Retirement Solutions are here to help you with your equity release goals.

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