Equity release customer stories

How our lifetime mortgage has changed real lives

Here, people who’ve taken out a cash lump sum uncover the reasons why they turned to the value locked away in their property.

Our lifetime mortgage

The type of equity release we offer is a lifetime mortgage, which is a long-term loan secured on your home and is available to UK homeowners aged 55 and over.

The loan and interest are repaid, usually from the sale of your home, when you die or go into long-term care, subject to our terms and conditions.

Taking a lifetime mortgage will reduce the amount of inheritance you can leave, and may affect your tax position and eligibility for certain welfare benefits.

Applying for a lifetime mortgage is a huge decision and you will need to receive financial advice before proceeding. It may be the biggest jump you make for your money in retirement. Hearing from those who’ve already released equity from their home can help you see what life looks like on the other side of that leap.

These are stories straight from people who’ve taken out a lifetime mortgage with us. They’ve kindly shared why they needed it, and how it’s worked out for them and their family.

Josephine and John's story

“We needed to get substantial work carried out on our house, and also wanted to help our daughter get on the property ladder”

Lifetime mortgage customers.

Read the full story "Read the full story"

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. Aviva equity release is recognised by What Mortgage Awards as best equity release lender, and best equity release lender customer service. We're also recognised as best equity release lender by The Personal Finance Awards.

Equity release awards
  • Personalised pricing
     How much you can borrow and your fixed interest rate are specific to you and your property.
  • No separate advice fee
     When you arrange expert advice through us (we’ll pay the adviser commission when you get the loan).
  • Tax-free cash
     Our lifetime mortgage is a loan, so it doesn’t count as income and there’s no tax to pay.
  • We're regulated by the Financial Conduct Authority
     And we’re a member of the Equity Release Council, which promotes high standards and best practices.

Get to grips with equity release

Take a closer look at our lifetime mortgage to see if it could be right for you.

Get specialist equity release advice

Your call will be answered by our dedicated team who can provide you with information and answer any questions on Aviva’s lifetime mortgage. They can also book an appointment for you to speak to an Aviva equity release adviser who can provide you with financial advice, an illustration and submit an application if you choose to proceed. You don’t have to commit to anything, and you won’t need to pay an advice fee, instead we’ll make a commission payment to your adviser upon completion of your loan. If you need to borrow more at a later date, you will need to get financial advice again and an advice fee will apply, which will be payable upon completion of your loan to your adviser. 

  • Call us free

    Ring now to speak to our team.

    0800 141 3493

    • Monday to Friday: 9:00am - 5:00pm
    • Weekends and Bank Holidays: Closed

  • Ask us to call you

    Give us your name and number and our team will call you between Monday and Friday, 9.00am to 5.00pm.

    Request a call back

* Your call will be answered by our dedicated team who can provide you with information on Aviva's lifetime mortgage 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.