Equity release is a way of turning some of the value of your home into tax-free cash. We offer a type of equity release called a lifetime mortgage. It's a long-term loan secured on your home and you can apply once you reach 55. You’ll stay in your home and remain the owner.
You might choose to take out a lifetime mortgage for any number of reasons. Such as improvements to your home, to give a helping hand to your loved ones, a once-in-a-lifetime adventure, or to stretch your retirement income a little further.
The loan and interest are repaid in full, usually from the sale of your home when you (and your partner, for a joint lifetime mortgage) pass away or go into long-term care, subject to our terms and conditions. Just remember that taking out a lifetime mortgage will reduce the amount of inheritance you can leave behind. It may also affect your tax position and whether you can claim some means-tested benefits.
Getting a sense of how much you could borrow is as easy as choosing your age, the type of home you live in and your home’s worth – our calculator will do the rest.
Equity Release Calculator
Step 1 of 3
Check if you’re eligible for equity release with us (our lifetime mortgage)
To apply for our lifetime mortgage you need to:
Once we’ve taken a look at your application, we’ll send you an offer which confirms how much you can borrow. You’ll go through all this with your equity release adviser and solicitor. Then all that’s left for you to do is sign any legal bits.
Why choose us for equity release?
We’re a member of the Equity Release Council, which promotes high standards and best practices for all customers who take out equity release.
Why choose Aviva?
Get specialist equity release advice
Take your first step by arranging a call with a UK-based equity release adviser. You don’t have to commit to anything, it’s just to see if it’s an option for you. And you won’t pay a separate advice fee. Instead, we'll make a commission payment to the adviser on completion of your loan. Here are two ways to get in touch.
Call us free
Ring now and make an appointment with an equity release adviser.
0800 141 3493
- Monday to Friday: 9:00am - 6:00pm
- Weekends and Bank Holidays: Closed
Ask us to call you
Give us your name and number, and an adviser will call you. You can pick a chosen day and whether morning or afternoon is best.Request a call back
Your call will be answered by the Aviva Equity Release Advice team, who can provide information and advice on Aviva's lifetime mortgages only. They're authorised and regulated by the Financial Conduct Authority.
Calls to 0800 or 0808 numbers from UK landlines and mobiles are free. For our joint protection, calls may be recorded or monitored, and saved for a minimum of 5 years. Our opening hours may be different depending on which team you need to speak to.
Request a free guide
Read more about our lifetime mortgage whenever you have a quiet moment. We’ve put together a free guide packed with information and answers to the questions people most often ask. You can download an online version right away and we’ll also post a copy to your home.Request a free guide