Aviva Equity Release
9 billion released to more than 300,000 customers.
Independent introduction serviceAccess to specialist lendersNo obligation
Get Indicative TermsGet indicative terms - free, no obligation
Doulton Money Limited · No obligation enquiry
What happens next
- Fill in the form (2 minutes).
- We'll match you with the right specialist for your situation.
- A specialist independent broker will contact you to discuss your options.
Important: Equity release is a long-term commitment and will reduce the value of your estate. It may affect entitlement to means-tested benefits. Independent financial and legal advice is required. The specialist brokers we work with source plans from Equity Release Council approved lenders. Your home may be repossessed if you do not maintain required payments on a secured loan.
About Aviva Equity Release
Winner of Best Equity Release Lender and Best Equity Release Lender Customer Service at the 2026 What Mortgage Awards. As an independent introduction service, we introduce you to equity release specialists who are qualified to advise you and can compare Aviva against other ERC-approved lenders.
The options available
Aviva Lifestyle Flexible Option
Aviva's flexible lifetime mortgage with drawdown. Initial cash sum from £10,000 plus cash reserve of at least £5,000 for future withdrawals. Interest only on amounts drawn. Optional partial repayments up to 10% per year without penalty.
Aviva Lifestyle Lump Sum+
Single lump sum release. Higher loan-to-value than the flexible option in some age bands. Optional repayments. Suitable for clients who need all the money at completion.
Aviva Optional Payments
Make voluntary monthly payments to prevent interest roll-up. No obligation - payments can stop at any time. Aviva's long track record means robust and tested processes for managing optional payment arrangements.
Aviva and Health
Aviva assesses health and lifestyle at application. For qualifying conditions, Aviva may offer enhanced terms - releasing more money. The specialist adviser you are introduced to can guide you through the health questionnaire.
Wider Lending Criteria
Aviva lends on more property types than many other equity release lenders - including some leasehold properties and non-standard construction. If your property has been declined by another lender, Aviva is worth exploring.
Additional Borrowing
Aviva allows further advances on existing lifetime mortgages - accessing more equity as property values rise or additional funds are needed. This is a key feature for long-term planning.
How It Works
Independent first
A specialist will review your circumstances and can compare Aviva against other relevant providers before any application. Aviva's award-winning service is a genuine advantage - but it must still be the right plan for your specific situation.
Aviva illustration
The specialist obtains a live Aviva Key Facts Illustration alongside comparisons from other providers. 14-week offer period plus 14-week re-offer period - one of the more generous timelines in the market for complex applications.
Legal advice
Independent solicitor instructed. Aviva requires a solicitor separate from the one representing the lender.
Completion
Typically 4-8 weeks. Funds released directly to your bank account.
Speak to our later life lending specialists
Call 0204 6211776 · Introductions to later life lending specialists
Frequently asked questions
Is Aviva a good equity release provider?
Aviva is consistently ranked as one of the best equity release providers in the UK - winning Best Lender and Best Customer Service at the 2026 What Mortgage Awards. Their 25+ year track record, clear processes, and wide property acceptance make them a strong choice. Whether they are the right choice for you depends on your age, property, health, and what you want the money for. The equity release specialist we introduce you to can compare them against other relevant providers.
What are Aviva's current equity release rates?
Aviva's indicative rates are in the 6.3%-7.5% AER range (September 2026). The exact rate depends on your age, property value, and the specific plan chosen. Rates change and any illustrated rate is live for the duration of the offer period. The specialist you are introduced to can obtain live illustrations from Aviva alongside other providers.
Can Aviva release equity from a leasehold property?
Aviva lends on more property types than many competitors, including some leasehold flats. Leasehold properties with shorter remaining lease terms or complex freeholder arrangements require specialist assessment. Contact us with your specific property details and we will introduce you to a specialist who can confirm Aviva's position.
What is Aviva's minimum equity release amount?
Aviva's Lifestyle Flexible Option requires a minimum initial cash sum of £10,000 and a minimum cash reserve of £5,000. The Lump Sum+ product requires a minimum of £15,000. These are the lowest draw amounts - the maximum depends on your age and property value.
Can I make partial repayments on an Aviva lifetime mortgage?
Yes - Aviva allows voluntary partial repayments of up to 10% of the original amount borrowed each year without early repayment charges. This is a significant feature for clients who want to manage the growing interest balance while retaining the flexibility of the lifetime mortgage structure.