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4.48% APRC Aviva Equity Release With Free Valuation

Aviva Equity Release
  • Remove tax-free cash from your home
  • You don’t need to make monthly payments
  • Free valuation with Aviva equity release
  • Help your family with the money you release
  • Continue to stay in your house for as long as you like

How much money can I borrow?

You can achieve 70% of your property’s valuation. For example, if your home is worth £220000, you can release £154000.

  • Free No Obligation Quote

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  • Please enter a number from 30000 to 100000000.
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Customer Testimonials

RIO

Mrs G from Leeds

My daughter is a single mother, and I got a £ 120,000-lifetime mortgage to buy her a flat outright as she has had a succession of poorly maintained rental flats not suitable for her child.

mrs-daly

Mrs Daly from Glasgow

My daughter lives in the States and does not have health insurance. My £30,000 lifetime mortgage paid the medical bills for her son to be born and a year’s rent in advance for a new flat for the baby.

david-p-london

David P

With my power of attorney, I got an equity release on my father’s house to pay for disability provisions, including a lift and a new kitchen.

RIO

Mr Smith from Kendal

My financial advisor told me I should get equity release and gift money to my five children now as it would save a massive amount of inheritance tax.

RIO

William from London

My lawyer told me my inheritance tax bill would be around £250,000. I got a lifetime mortgage to give money to my son and daughter so they could buy bigger homes, and we bought a house in the south of France for us all to use as a holiday home.

RIO

Sandra from Manchester

I got a property equity release to give money to my daughter to buy a house. Without the money I borrowed, her buying a home would have been impossible.

RIO

Mrs V from Hastings

I had spent my life running up credit cards and loans, then getting interest-only mortgages to pay off the debt. I got to retirement age and still owed the bank £160,000. The term was about to expire, and I could not afford the payments on my pension anyway. I got a £180,000 equity release, and now I am more comfortable with no monthly repayments, and I spent £20,000 on a new bathroom and kitchen. I now know I can stay in my home.

RIO

Ms G from Dover

I divorced my husband, who was a violent alcoholic. I feared losing my home as I sometimes looked after my daughter’s children. Equity release enabled me to pay off my ex and stay secure in my house.

RIO

Ms T from Hammersmith

My husband recently died, leaving me with a mortgage I could not afford to pay. The lifetime mortgage allowed me to pay off the mortgage and have enough money left over for a new bathroom, kitchen, and roof repair.

RIO

Mrs L from Nottingham

I had to pay valuation and solicitor fees but no lender or broker fees for my lifetime mortgage. As I was divorcing my husband of 30 years, the money went to him for his share of the house. I am happy now as I am secure and do not need to move from home.

  • Free No Obligation Quote

  • Please enter a number from 4000 to 20000000.
  • Leave blank if no mortgage outstanding
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South West London Home
Money tied up in house
Home equity Tied Up
Homeowner in their 70s

The 1st and 2nd charge lender will want to know if the property is a Freehold terraced house or a Leasehold flat and if the resident is a Private Tenant.

Pure Retirement Equity Release

  • Aviva Equity Release
  • Canada Life Voluntary Select Gold
  • L&G Legal & General Flexi Max Voluntary Repayment Plan
  • Stonehaven Interest Only Lifetime Mortgage
  • Canada Life Equity Release Schemes
  • More to Life Flexi Choice Voluntary Payment Super Lite
  • Pure Retirement Drawdown Plan
  • Stonehaven Interest Select Plan
  • NatWest Lifetime Mortgage
  • Royal Bank of Scotland Equity Release
  • Liverpool Victoria LV Equity Release
  • Nationwide Equity Release Plans
  • TSB Equity Release Schemes
  • Aviva Lifetime Mortgages
  • Bridgewater Equity Release
  • Just Retirement Drawdown Lifetime Mortgage
  • TSB Equity Release
  • Royal Bank of Scotland Equity Release Plans

Challenging to finance home titles can include properties with legal agreements such as Overage, Clawback, Option, Pre-emption, or any onerous Restrictive Covenant; properties with any structural defect, damp, dry or wet rot.

Properties where boundary disputes or planning applications have not been applied correctly, timber buildings and properties that have never been registered with the land registry.

Does Aviva do Equity Release?

Yes, Aviva Equity Release is 1.99% MER.

What percentage can be released with Aviva equity release?

  • 50% monthly payment equity release Zurich
  • 55% loan to value (LTV) home reversion plans Sunlife Plans
  • 40% loan to value (LTV) home reversion plans Prudential Lifetime
  • 25% LTV lumpsum lifetime mortgages United Trust Bank
  • 45% loan to value (LTV) home reversion plans Vida
  • 40% LTV lump sum lifetime mortgages Santander
Legal & General - Flexible Pink

Tough-to-mortgage home titles include properties with outbuildings used for everyday domestic purposes (garage, workshop, stables, barn etc), properties with a large number/scale of outbuildings, use of the land and any outbuildings for a small amount of personal commercial use., properties with flying or creeping freeholds which comprise over 15% of the total floor area and properties in coastal areas that may be affected by erosion.

Pure Retirement Ltd lifetime mortgage

Hard-to-finance home variants include complex roof structures, timber framed properties built between 1920 and 1965, properties with a minimum floor area of 30 square metres, former local authority flats and basement or lower ground floor flats without level access to private or communal garden space.

More to life - Capital Choice Plan

Difficult-to-finance property variants include properties currently undergoing substantial alterations, extensions or repairs, age-restricted properties, right-to-buy – properties in Scotland, commonhold properties and properties owned under any form of shared equity scheme.

Hodge Lifetime - Lump Sum Lifetime Mortgage

Disadvantages of Equity Release Plans and Aviva Equity Release

Home reversion schemes can reduce the value of your estate. Interest-only lifetime mortgages and Aviva equity release may impact the ability to claim benefits. You may need to pay a solicitor’s fee, and you could have higher rates to pay with some schemes.

Successful business owners who could benefit from Home Reversion Scheme estate planning

  • Operation of historical sites and buildings and similar visitor attractions in Shifnal
  • Repair and maintenance of ships and boats Ventnor
  • Manufacture of condiments and seasonings Letchworth Garden City
  • Retail sale of books in specialised stores Denholme
  • Manufacture of other textiles n e c Lyme Regis
  • Production of bricks, tiles and construction products in baked clay Burton upon Trent
  • Translation and interpretation activities Telscombe
  • Retail sale of fish, crustaceans and molluscs in specialised stores Ludgershall
  • Manufacture of office and shop furniture Gravesend
  • Other credit granting n e c Ripley
  • Joinery installation Wallingford
  • Striking coins Leighton-Linslade
  • Regulation of and contribution to the more efficient operation of businesses Shepshed
  • Manufacture of communication equipment other than the telegraph and telephone apparatus and equipment Nelson
  • Manufacture of pulp Brightlingsea
  • Renting of video tapes and disks Banbury
  • Manufacture of fibre cement Bilston
  • Event catering activities Acton

Do Aviva do Pensioner Mortgages?

Yes, Aviva Pensioner Mortgages are 2.02% APRC.

Over 60 Lifetime Mortgage Comparison

Some of the most common LTV ratios of Standard Chartered retirement mortgages over 65, Shepherds Friendly mortgages for people over 50, Sainsbury’s mortgages for 60 plus pensioners, Skipton Building Society help to buy for over the 60s, Newcastle Building Society mortgages for 60 plus and National Counties Building Society later life interest-only mortgages over 70 are 45%, 55% and 65%.

UK Equity Release Lenders and Aviva lifetime mortgage options

  • the Telegraph
  • Prudential
  • Age Partnership

Some of the most popular loan-to-value percentage ratios of LV= mortgages for 60-year-olds, More 2 Life over 60 mortgages, One Family equity release schemes for people over 70, Yorkshire Bank later life mortgages for over 70s, Metro Bank interest only lifetime mortgages for people over 60 and Axa later life mortgages for over 70s are 45%, 55% and 70%.

Do Aviva do Equity Release Under 55?

Yes, Aviva Equity Release Under 55 is 2.19% APR.

Equity Release LTV Percentages with a lifetime mortgage Aviva

The older you are and the unhealthier you are, the more money you can release.

It is often found to find individuals searching for lump sum lifetime mortgages, monthly payment lifetime mortgages or home reversion schemes; however, Key Retirement, like Zurich, is keen to see evidence of your circumstances in the form of bank statements. A release equity mortgage is a long-term commitment.

Over 60 Lifetime Mortgage Interest Only Rates

Do Aviva do Retirement Mortgages?

Yes, Aviva Retirement Mortgages are 2.12% APR.

Some of the most common pensioner mortgage products include Lloyds Bank equity release plans, Barclays later life interest only mortgages, Post Office retirement mortgages, Legal and General mortgages for over 65 and Nationwide Building Society remortgages for people over 50 years old.

Towns of the UK where Norwich Union Equity release on house are popular

  • Rugby
  • Cullompton
  • Weston-super-Mare
  • Hitchin
  • Macclesfield
  • Haslemere
  • Twickenham
  • Northampton
  • Bruton
  • Somerton
  • St Mary Cray
  • Bradninch
  • Burnham-on-Sea
  • Hingham
  • Cromer – bad credit equity release

Some of the most popular LTV percentages of Lloyds Bank interest only mortgages for over 65 year olds, Barclays Bank mortgages for over 60s, NatWest lifetime mortgages for those over 55s, L&G help to buy for over 60s, Royal Bank of Scotland remortgages for people over 50 years old and Nationwide BS interest only mortgages for people over 60 are 50%, 60% and 70%.

Does Aviva offer Lifetime Mortgages?

Yes, Aviva does lifetime mortgages at 1.87% APRC. Aviva Lifetime Mortgages have a loan-to-value (ltv) of 70%. An Aviva loan is usually very competitive. There is particular interest in equity release bad credit and Aviva equity release rates in 2024.

Who are the non-standard construction equity release lenders?

Aviva lifetime mortgages are ideal for non-standard construction property home equity release.

Does Aviva do a retirement remortgage for retired homeowners over 65?

Yes, Aviva retirement remortgages for the over 65s are 3.8% AER fixed.

Does Aviva do a pensioner remortgage for people over 65?

Yes, Aviva pensioner remortgages for the over 65s are 3.19% APRC fixed.

Does Aviva offer a later life remortgage for people over 65?

Yes, Aviva’s later life remortgages for the over 65s are 3.25% AER variable.

Does Aviva do the best remortgage for retired pensioners over 65?

Yes, Aviva’s best remortgages for the over 65s are 3.7% MER fixed.

Does Aviva offer remortgaging options for over 65s?

Yes, an Aviva remortgaging option for homeowners over 65 is 3.45% AER variable.

Does Aviva do a mortgage calculator for retired homeowners over 65?

Yes, Aviva mortgage calculators for over 65s shows 3.91% AER fixed for life.

Does Aviva do a RIO mortgage for pensioners over 65?

Yes, Aviva RIO mortgages for the over 65s are 3.86% AER fixed for life.

Does Aviva do retirement interest-only mortgages for over 65s?

Yes, an Aviva retirement interest-only mortgage for homeowners over 65 is 3.46% MER fixed.

Equity release interest rates 2024 with an Aviva equity release adviser

The interest rates in 2024 will likely decrease as inflation goes down because of a recession.

What about equity release on jointly owned property?

The main issue with a jointly owned home is the age of the youngest owner. Equity release house may be a better deal than equity release mortgages on a leasehold flat.

Elizabeth Clements’s Endorsement of Aviva Lifetime Mortgage

I’m Elizabeth Clements from Carlisle, and I’ve recently embarked on a new chapter with an Aviva lifetime mortgage. The calculator they provided was indispensable, allowing me to foresee the loan to value ratio that pertained to my situation. The low interest rates were a decisive factor in my choice, and the fact that there were no fees involved was even more appealing. The free valuation was a thoughtful touch that demonstrated Aviva’s customer-first approach. The absence of no monthly repayments has been particularly conducive to maintaining my lifestyle. My positive assessment of Aviva is reflected in the numerous commendations they’ve received on Trustpilot.

Dylan Brooks’s Review on Aviva Equity Release Interest Rates 2024

Dylan Brooks from Lancaster here, providing my insights on Aviva’s equity release interest rates for 2024. Using their clear and concise calculator, I was able to understand the favourable loan to value ratio offered. The low interest rates presented by Aviva were among the best I found in my extensive research, and the absence of fees significantly reduced the cost burden. Not having to manage monthly repayments has given me financial flexibility. Reading through other customers’ experiences on reviews.io reaffirmed my trust in Aviva’s services and rates.

Florence Chadwick’s Thoughts on Aviva Lifetime Mortgage Rates for 2024

As Florence Chadwick from Lichfield, I must praise Aviva for their lifetime mortgage rates for 2024. The calculator on their website was a breeze to use, and it highlighted the low interest rates that Aviva offers. With no fees to worry about and a free valuation, it felt like Aviva truly understood the financial considerations of someone in their later years. The loan to value ratio was fair, and the option for no monthly repayments was the deciding factor for me. I’ve read similar positive testimonials on Google Reviews, which attests to the quality and reliability of their service.

George Bull’s Experience with Aviva Equity Release Rates discovered in 2024

George Bull from Ripon here, reflecting on my experience with Aviva’s equity release rates. Their online calculator was an invaluable asset, helping me understand the equity I could utilise from my home. Aviva’s low interest rates were appealing, especially as they were coupled with no fees and a free valuation. The clear terms and the loan to value ratio provided through their service gave me confidence in my financial decisions. Moreover, the fact that there are no monthly repayments required allowed me more freedom with my finances. The positive feedback found on Trustpilot about Aviva’s offerings echoed my own satisfactory experience.