LV= Equity Release
LV= (Liverpool Victoria) is a well-known mutual financial services group, owned by its members rather than shareholders.
Independent introduction serviceAccess to specialist lendersNo obligation
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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 LV= Equity Release
LV= offers lifetime mortgage products as part of their retirement planning range. As an independent introduction service, we introduce you to equity release specialists who are qualified to advise you and can compare LV= against other ERC-approved lenders - the mutual ownership model may align with some clients' values, but the right plan depends on rates, features, and your circumstances.
The options available
LV= Lifetime Mortgage Range
LV= offers a range of lifetime mortgage products including lump sum and drawdown options. Their mutual structure means profits are returned to members rather than shareholders.
LV= Drawdown Option
Take an initial lump sum and hold a reserve for future drawings. Interest only on amounts drawn.
Optional Repayments
LV= plans include options for voluntary partial repayments to manage interest roll-up.
ERC Protections
All LV= lifetime mortgage plans carry standard ERC protections - no negative equity guarantee, portability, right to remain in home for life.
LV= and Health
LV= assess health information at application and may offer enhanced terms for qualifying conditions.
Specialist Introductions
LV= is one of several ERC-approved providers a specialist can compare. Their mutual ethos is appealing to some clients, but the specialist adviser will recommend plans based on rates and features that best suit your circumstances.
How It Works
Full comparison
The specialist considers LV= alongside other relevant ERC-approved providers.
Illustration
Live KFI from LV= and from the most appropriate alternative providers.
Legal advice
Independent solicitor required.
Completion
Typically 4-8 weeks.
Speak to our later life lending specialists
Call 0204 6211776 · Introductions to later life lending specialists
Frequently asked questions
What is LV= in equity release?
LV= (Liverpool Victoria) is a mutual financial services group that offers lifetime mortgages as part of their retirement product range. Their equity release products are ERC-approved and FCA-regulated.
Is LV= equity release competitive?
LV='s rates and product features are competitive within the market. Whether they are the best option depends on your specific circumstances - age, property value, health, and required loan amount. An equity release specialist can compare LV= against Aviva, L&G, Just, Canada Life, and others.
Does being a mutual make LV= better?
LV='s mutual structure means they are owned by members and profits benefit members. This is a values-based consideration rather than a financial one - it does not necessarily mean lower rates or better plan features. A specialist adviser will evaluate LV= on the same objective criteria as other providers.
Can LV= equity release on leasehold flats?
LV='s property criteria should be checked for leasehold properties. Contact us with your property details and we will introduce you to a specialist who can confirm LV='s position and compare with other lenders.
What are LV='s current equity release rates?
Indicative rates in the 6.4%-8.0% AER range (September 2026). Exact rates depend on age, property value, and plan. The specialist you are introduced to can obtain live illustrations from LV= alongside other providers.