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.

Dave gave me a clear understanding as to what was involved and what the various costs were, which gave me the confidence to proceed.

Private, Birmingham 17/9/20

Viva Retirement's representative, Dawn Evans, led me through the process of equity release.  With her knowledge, helpfulness and sense of humour throughout she informed me of the pros and cons, the different plans you could take out and it was all laid out very clearly, what I or my estate would owe over a period of years.  If you are thinking of taking out equity release, I would have no hesitation in recommending Viva Retirement Solutions for their professionalism and knowledge in this field.

Mrs Lumley, Leeds 13/8/20

From start to finish our contact with Viva Retirement Solutions, our experience of the company and our adviser, Russell Coneron, was just brilliant.  It gave us the confidence to go ahead with the transaction and he kept us informed and updated, always contacting us when he said he would!  Russell was determined to get us the best deal and he delivered what we know is an excellent solution to our needs.  Highly recommended - don't hesitate is our advice.

Private, Buckinghamshire 30/7/20

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

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

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

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

Mr & Mrs Simmonds, Hertfordshire 12/2/20

Rob provided us with exceptional service and advice.  Everything was explained thoroughly and I wouldn't hesitate to recommend him and your company.  He went above and beyond to find the right service for us and the best way for us to use our equity release.  What a truly exceptional gentleman.  You should be proud to have him working for you.

Private, Essex 14/9/20

From the moment I was recommended to Mark Lambert and his company "Viva Retirement Solutions" by a dear and trusted friend.  I have not been disappointed.  I was assigned to Rob Polworth, a kind and understanding man who went more than the extra mile explaining everything in detail.  He was always on the other end of the phone if you had a question.  Mine was a complicated case, his expertise and patience was second to none.  I would have no problem recommending Rob Polworth and Viva Retirement Solutions to anyone in the future needing help.  Fantastic company.

Mr and Mrs Jacques, Essex 27/7/20

Made us feel very at ease in which Rob Polworth explained the whole idea of Equity Release.  We felt that if we havd a problem we could go back easily to explain and it would be ok.  We had no problems in getting the finances straightened out and the money came back to us very easily.  We thank you Rob and Viva Retirement, we are happy customers.

Private, Essex, 18/7/20

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

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

Thank you Paul for your efforts in successfully securing equity release funds for my parents on competitive terms - particularly commendable given the market conditions we had to face due to COVID-19.  We appreciated your knowledge, calm and intelligent counsel at all times.  I wouldn't hestitate to recommend you.

Private, Hertfordshire 17/8/20

I found the representative that I dealt with very well informed about various products in the market.  He patiently went through the relevant ones that could meet my needs - highlighting advantages and disadvantages.  He was always available to answer any queries I may have.  When promised he always got back to me in a timely manner with answers.  He was very respectiful of my wishes and very encouraging.  I never felt patronised or not listened to.  He was clear that it was 'about my needs, not his'.  However, his professional acumen enabled him to assist me to make the 'best choice'

Private, Buckinghamshire 24/7/20

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 

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

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 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 1/2/2

Many thanks for the patient and clear support given throughout.

Mr and Mrs Newton, Hertfordshire 9/8/20

The advisor was extremely helpful & knowledgeable and thoroughly professional throughout the process.  And all conducted in a lovely friendly manner.  Would refinitely recommend.

Private, Dorset 8/8/20

Viva Retirement Solutions make the Equity Release process a very good experience for the following reasons:

- Special care was taken in view of the lockdown restrictions which enabled our meetings to be stress free.

- Everything was explained very clearly and I always had the opportunity to ask questions.

- Weekly contact was made, informing me of how the process was progressing and providing me with the chance to ask any further questions.

- I agreed to use Equilaw solicitors and I was swiftly referred over to them with no delay.

- The entire process took under six weeks.

Private, Essex 22/7/20

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

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

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

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


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

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