If you’re looking to release equity from your home to raise money for your retirement, then we have the perfect specialists for you. Partnering with a national multi-award-winning equity release specialists Viva Retirement, we can look at your individual circumstances to see whether equity release is right for you and your needs. This service is all about giving you complete peace of mind when you are in retirement.

An often complicated and misunderstood area of finance, Viva Retirement offer their expert guiding hand to complete the equity release process quickly, efficiently, and painlessly. Instead of stressing over the paperwork yourself, entrust it to our financial experts and we will take care of all the work for you.

What is Equity Release?

Equity release offers you a way to use the value of your home to raise money. You can take the money you release as a lump sum or, in several smaller amounts or as a combination of the two. Getting equity release depends on a few things such as age, your home and your family.

For a lifetime mortgage you or both of you (if you are borrowing jointly) need to be at least 55 years old.

For a home reversion plan you or both of you (if you are borrowing jointly) need to be at least 60 years old.

You must own property in the UK to release equity, it must be your main residence, to be in a reasonable condition and over a certain value. You’ll have to pay off any outstanding mortgages or loans secured against your home at the same time as taking equity release.


We can’t always plan for a sudden need for cash!

Why do people consider Equity Release?

  • To provide an additional income and plan for your retirement
  • To provide lifetime gifts to your family
  • For home improvements
  • For a holiday home purchase or to fund a once-in-a-lifetime holiday
  • To fund long term care
  • Help a loved one onto the property ladder

You may have alternative ideas - there are no limitations on how you utilize the funds!

Equity release has to fit with your needs, circumstances and preferences, where the benefits need to outweigh the drawbacks and be more suitable for you than alternative methods of raising funds. Viva Retirement can talk you through what equity release means, whether it’s a suitable option for you and how you can go about accessing money when you need it.


Types of Equity Release?

There is a range of equity release schemes available on the market offered by equity release providers, and they fall into two main categories:

Each type of equity release scheme facilitates a different method of releasing the equity in your home, and there are various other useful features available to create the ideal equity release scheme for you.


Please note:

Our Equity Release service is arranged by introduction to Viva Retirement



Lifetime Mortgages and Home Reversion plans are 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.


01332 382917
4 St Georges House,
Vernon Gate,
DE1 1UQ.