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


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.

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

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


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

Mr & Mrs Simmonds, Hertfordshire 12/2/20

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

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

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

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



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