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You could release some of the equity in your home with a lifetime mortgage.

Giving you clear advice and handy information matters just as much to us as finding you the right kind of mortgage.

To find out more, call us 0800 404 6220 to speak to an adviser and book a no-obligation appointment

We can only advise on our own products.

What is a lifetime mortgage?

A lifetime mortgage is a long-term loan secured against your home. We offer two types to suit you, so you can either release a lump sum to spend now or choose to take a smaller amount now, leaving the rest to spend in full or in part later.

Lifestyle Lump Sum Max

  • Lifestyle Lump Sum Max lets you release a one-off amount of money at the start of the plan.
  • Because the plan can give you a larger cash sum than our Lifestyle Flexible Option, the overall cost of the Lifestyle Lump Sum Max is higher.

Lifestyle Flexible Option

  • Lifestyle Flexible Option lets you take a lower initial loan and have access to a reserve of money in the future, as and when you need it.
Find out more about Lifetime mortgage

This is a lifetime mortgage. To understand the features and risks, ask for a personalised illustration.

Are you eligible?

Use our handy Eligibility Calculator to see whether you could be eligible for a lifetime mortgage, which products may be available, and how much you might be able to release.

Eligibility calculator

The benefits and things to think about

  • Do more of the things that matter in your retirement by releasing money from your home.
  • You can continue to live in your home until you die or go into long-term care.
  • Minimum age and property values apply, and there are also restrictions on the type of property we'll accept.
  • If you have an existing mortgage on your home or any secured loans, you'd have to use the money you release to pay these off first, but then you'd be free to spend what's left however you want.
  • A lifetime mortgage is a lifetime commitment, so our advisers will explain all the costs and risks involved, including how it will reduce the inheritance you leave and how it may affect your tax position and entitlement to means tested benefits.
  • Although the amount of inheritance you can leave will always be reduced, you can choose an inheritance guarantee on our lifetime mortgages to ensure you can leave something for your loved ones. However, this will reduce the amount of money you can borrow.
  • We encourage you to involve your family in the decision process and they're welcome to attend any appointments you have with our advisers.

Find out more about how to apply for a lifetime mortgage

How to apply for a lifetime mortgage

Lifetime mortgages are not available in the Channel Islands and the Isle of Man.

Aviva Equity Release UK Limited. No 3286484. Authorised and regulated by the Financial Services Authority. Aviva Equity Release UK Limited FSA Registration No 310433. Registered in England at 2 Rougier Street, York, YO90 1UU. www.aviva.co.uk

WC07049 03/2013

Contact us

Call us free on

0800 404 6220

Monday to Friday
8.00am - 7.00pm
Saturday
9.00am - 5.00pm
Sunday
10.00am - 4.00pm

Calls are free from a BT land line. Costs may vary from mobiles and other networks.

Or alternatively arrange for one of our advisers to call you back at a time convenient to you.

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For our joint protection, telephone calls may be recorded. We can only advise on our own products.

Why Aviva Equity Release?

  • We've helped over 120,000 people release money from their homes.
  • We've been providing Equity Release for over 14 years.
Find out more about Aviva equity release

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