The number of clients we help to achieve their Equity Release dreams continues to grow, but here is a selection of testimonials sent to us by our clients this year, to demonstrate the quality of service that they have received.  We have been collecting testimonials since 2013, which you can view by year too.

A big thank you to my financial adviser.  A friendly thoughtful and calm gentleman, very professional.  Russell made me feel at ease and I found him very easy to speak with him.  Russell represented the company very well, with pride and professionalism, from start to finish.  I was well informed by Russell and by making the right decision to go through the process of Equity Release gave me a new outlook on life and my family.  I am very happy to share my experience to friends and family.  Thank you Mr Russell Coneron from the bottom of my heart for your dedication and hard work, which has given me a new lease on life.  I can now get back to living again, you are an asset to your company.


Private, Buckinghamshire,  20/6/20 

I have always thought that once I retired I would release some of the capital from my home.  But when I finally did retire, I was horrified to discover that most Equity Release lenders don't like to lend on a retirement flat.  I spoke with a friend who had just taken out equity release and he recommended his agent to me. I made an appointment and went to see her.  After several weeks she called me to say that she couldn't get it for me and had tried every avenue.  I had only just bought my retirement flat and had very little in savings and really didn't want to move again.  I then called my solicitor to discuss my situation and they recommended Viva Retirement Solutions.  After I called them, their agent came to see me at home and we discussed at length equity release.  The agent agreed to take on the challenge.  I found Liz helped me to understand the way equity release works without putting me under pressure.  She helped me to feel at ease and confident that there was still hope for me.  She helped me to make the right decision when it came to choosing which mortgage offer was best suited to he needs.  I still own my retirement flat and can now live here for the rest of my life; I can't thank Liz and Viva Retirement Solutions enough for making what seemed impossible, possible.  I have now acquired equity release on my retirement flat.  I would certainly recommend them to anyone and know that I made the right choice. Happy days ahead!  Thank you so much Liz and Viva Retirement Solutions.

Private 4/5/20 Dorset

We found Paul to be very smart and presentable.  He was very knowledgeable and explained everything and made sure we understood every step.  He kept in contact regularly and was excellent at advice.


Private, Hertfordshire 1/5/20

I would wish to confirm that the service I received from Viva Retirement Solutions was faultless from start to finish.  I single out Mr Russell Coneron for particular praise.  His helpful guidance throughout the process was exemplary and handled with total professionalism.  I will happily recommend Viva's services to other friends and family members if required.

Private, Buckinghamshire 17/5/20

From the moment Dave Hulin introduced himself we felt at ease.  He quickly reduced all our concerns and answered all our questions with confidence and reassurance.  The whole experience was easy, or shall I say 'made easy for us'.   I would recommend any of my friends to go ahead with people like yourselves to go forward with equity release!

Private, Birmingham 27/4/20

Russell was an excellent advisor, very welcoming and knowlegeable and he was able to put my husband's mind at rest with all his worries on joining the mortgage.  He was on-hand to answer any questions I had throughout the process and answered them all promptly and efficiently.  I have already recommended Russell to my friends and family and will continue to do so.  He made a very daunting task seem painless.

Mr and Mrs Stevens, Buckinghamshire 3/4/20

Nick Craddock spent time finding my exact requirements and then produced a choice of solutions, one of which was a good fit for me.  Well done, you succeeded where others had failed!

Private, Gloucestershire


We have been delighted with your service.

Private, Dorset 15/2/20 

From start to finish Dave was very professional and sympathetic to our needs and the reasons we were releasing equity.

Mr & Mrs Bown, Birmingham 8/2/20

We found Viva Retirement Solutions very understanding to our needs.  Their product was well delivered at an understandable pace and well explained.  We were very happy with the way it was handled and found Viva to be very efficient in every aspect.

Private 4/2/20

I would not hesitate to recommend Paul Saroya to anyone considering equity release.  He is completely professional, concise and explains the whole process throughly.  I am delighted with my new flexible equity release product which is exactly what I wanted.

Mrs Von Radowitz, Hertfordshire 1/2/20

Our initial meeting with Mr Polworth took place just before lockdown.  At that meeting, Mr Polworth explained all spects of equity release clearly to us.  Subsequent dealings were conducted either by telephone or exchange of information on the doorstep.  Mr Polworth took the trouble of driving to our house for such exchanges.  The whole process has resulted in a very favourable outcome with which we are very satisfied.

Private, Essex 1/7/20

We were well served by Viva in obtaining our equity release withouth fuss and delay to the sum we required.

Private, Dorset 14/5/20

Very helpful in explaining all aspects of equity release to us.  Quick to respond to any queries.  Thank you for all the help you gave us.

Private, 25/4/20

Shaun was very helpful, polite and friendly. He made the process very easy to understand and went above and beyond to ensure my case was handled quickly.

Private, Essex 15/4/20

I found Liz Murley very helpful from the first contact to completion.  She kept in contact throughout the process and when things 'slowed up' with the mortgage provider.  The information provided was clear and there was no pressure for a 'quick sale'.

G Small, Dorset 7/4/20

We found the whole process easy to follow.  The advice and presentation by your representative was excellent.  He took the whole stress and pressure factor out and made it relaxing.  Would certainly recommend this company.

Private, 1/4/20

A very clear, concise and pleasant process.  Liz could not have been more helpful.  Her explanations were easily understood.  No pressure.  Highly recommended

Private 5/2/20

Russell offered a very personal and bespoke service.  he always replied to emails in a timely fashion and was very helpful in terms of what was available to us.  Having recently lost a loved one, he was very sensitive and understanding which was really appreciated.  We would definitely use Russell's services again in the future.



I cannot praise Mark Lambert highly enough.  He was there 24/7 to help and advise me on Equity Release.  He is friendly, approachable and very professional.  Nothing was ever too much trouble. As a customer I felt he cared about my case and he did everything he could to help me every step of the way.  I would thoroughly recommend him to anyone.

Private 21/1/20

Equity Release seems to be a bit of a taboo subject. However Viva Retirement Solutions made the process reasonably easy and things were sorted relatively quickly and pain free.

Private, Gloucester 11/5/20

Our advisor David was very informative with our contact with him via our phone interview and in his follow up emails and phone calls.  Everything was handled brilliantly and without delay.  All this was during the beginning of the Coronavirus lockdown, which must have been a challenge to Viva and David Hulin in particular.

H Costain, Birmingham


Everything from start to finish was conducted in a very professional but friendly manner, with no pressure at any time, during the transaction.  Could not be more satisfied and would like to thank Mr Hulin especially for his friendliness, kindness and non pressure approach.

M Baxendale, Birmingham


Very satisfied with everything, nothing was too  much trouble.  Was there for me every step of the way.  Rob Polworth was so helpful.

Private, Essex 4/3/20

My husband and I found our advisor Liz Murley exemplary.

Mr and Mrs Over, Dorset 21/2/20

My husband and I were looking into raising some money to help our son get on the property ladder and also to do some renovations on our home.  We are so happy with Viva Retirement Solutions, it was all done in very good time.  We would recommend them to others looking into equity release.

Private, Birmingham



Very helpful and friendly.  We were dealt with very quickly and would definitely recommend.

Mr & Mrs Simmonds, Hertfordshire 12/2/20

The whole process of Equity Release was faultless from day one, and a great outcome to the end.  Well done Viva.  All the best for the future.

Private 8/2/20

We found that Mark Lambert was very helpful in every aspect of this matter.  Always available with time for us, we would highly recommend him and their services of Viva Retirement Solutions.

Mr and Mrs Barnett




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