Who we are:

As one of the UK's most established and trusted equity release lenders, with over 25 years' experience, we've helped over 300,000 people release more than £11.9 billion. We release equity on more property types than many other lenders using our Lifetime mortgage.

Taking good care of your clients is our priority. That’s why we’re a member of the Equity Release Council - an independent organisation focused on promoting high standards for equity release customers in the UK. And we only approve lifetime mortgages where the borrower has received professional financial advice. 

At the 2025 What Mortgage awards, we once again won the Best Equity Release Lender and Best Equity Release Lender Customer Service categories. We also received the Best Equity Release Lender 2024/2025 title at the Personal Finance Awards. 

What we do:

With an Aviva lifetime mortgage your client can choose from a straightforward cash sum option of £15,000 or more, tax free or the flexibility of an initial cash sum of £10,000 or more, with a cash reserve of at least £5,000 for further withdrawals. We have a higher loan to value (LTV) lifetime mortgage which does not offer the cash reserve option.

We offer:

• A competitive re-offer process 
  With our wide lending criteria, complex applications can take longer to underwrite. Therefore, we offer a 14-week offer period plus a 14-week re-offer period.
• A choice of early repayment charges 
  We offer two types of early repayment charge: Fixed Percentage or Gilt-Based (Gilt-based not available on the higher LTV lifetime mortgage).
• Medically enhanced interest rates 
  Health and lifestyle enhancements could provide a higher loan amount or a lower fixed interest rate for your client (not available on Lifestyle Max product.)  
• 21-day rate guarantee on quotes 
  We offer a 21-day quote guarantee from when you generate an illustration.
• No maximum age 
   We do not have a maximum age for our lifetime mortgages and consider all ages aged 55 and over.