What is your biggest asset?


For most of us it is our home, but we are still in the process of paying off our biggest debt, the conventional mortgage, even though we have had it for the majority of our working lives.  People look to reduce or stop their monthly mortgage payments for many different reasons.


Do any of these resonate with you?


  • The existing conventional mortgage is coming to an end and cannot be extended

  • Too costly to maintain

  • Will not allow further borrowing

  • Has a repayment (endowment) shortfall

  • OR you just cannot get a conventional mortgage due to bad credit


Previous clients of Viva Retirement Solutions have consolidated their conventional mortgages with a Lifetime Mortgage to allow them to live more comfortably on a daily basis. They have also made this choice so that they do not need to worry about being eligible to get new mortgages and what future interest rate rises might mean to interest payments. That is right, once you have your money, the interest rate is fixed for life and can never increase on that initial release.  If you would like to find out more about how you can pay off your existing mortgage using a Lifetime Mortgage please contact us today.


Click here to read about one of our clients.

Contact us today on 0800 046 9776 for a no obligation chat to discuss your circumstances and to find out if you are eligible. (The youngest homeowner must be over 55 to qualify).



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