How to register with this lender as a new user

How to add Mortgage Club as a payment route with this lender

Let the Pre-sales team know that you want to use L&G mortgage club when requesting a KFI via telephone or e-mail.

How to contact this lender

Equity release contacts and opening hours

Pre-sales support:

For new business and additional borrowing quotations and pre-sales lending criteria enquiries:

Email: equityreleasefapresales@aviva.com

Phone: 0800 015 4909

Monday - Friday 8.30am to 5.30pm

Submitting new business: 

New business applications: nbapps@aviva.com

Additional borrowing applications: erab@aviva.com

New business updates:

For all enquiries relating to submitted applications and client(s) offers:

Email: lpeqren@aviva.com

Phone: 0800 206 2014 Option 2

Monday - Friday 9.00am to 5.00pm

Existing business:

Redemption statements, reserve drawdowns, change in circumstance, moving home, LOA

Email: ercicdirect@aviva.com

Phone: 0800 206 2014 Option 1

Monday - Friday 9.00am to 5.00pm

Business support:

Request a call back from your regional Business Development Manager:

Email: erbusinesssupport@aviva.com

Agency & commission:

For all enquiries to relating to agency codes and commission:

Email: ACINFO@Aviva.com

Phone: 0800 015 0967

Monday - Friday 9.00am to 5.00pm


Calls to and from Aviva may be recorded and/or monitored. 

Who we are:

As one of the UK's most established and trusted equity release lenders, with over 20 years' experience, we've helped over 260,000 people release more than £9 billion. 

Taking good care of your clients is our priority. That’s why we’re a member of the Equity Release Council - set up to help protect people who release equity from their homes. And we only approve lifetime mortgages where the borrower has received professional financial advice. 

Award winning

At the 2021 What Mortgage Awards, we once again won the Best Equity Release Lender and Best Equity Release Lender Customer Service categories. We also received the Best Equity Release Lender 2020/2021 title at the Personal Finance Awards.

What we do:

Aviva offer two lifetime mortgage equity release products, one a straightforward cash-sum option, the other adding the flexibility of a cash reserve for further withdrawals.

Your client will still own their home and can live in it until they die or move into long-term care subject to our terms and conditions. This applies to both borrowers on joint lifetime mortgages.

Lifestyle Flexible Option

With our Lifestyle Flexible Option, as well as receiving an initial lump sum of £10,000 or more, your client can set up a cash reserve of £5,000 or more from which they can draw money when they need it. Interest does not accrue on the money in the cash reserve until your client draws from it and we’ll offer the interest rate valid on the day they ask to take the money.

Lifestyle Lump Sum Max

Our Lifestyle Lump Sum Max is a fixed rate lifetime mortgage that pays a tax-free lump sum of £15,000 or more to your client.

As a one-off lump sum, Lifestyle Lump Sum Max can be particularly suitable if your client has something in mind to use the money for - like home improvements, or to give children or grandchildren a helping hand.

Great benefits as standard

  • Your client receives tax-free cash to spend as they choose
  • No need to make any repayments during the term of the lifetime mortgage under normal circumstances.
  • Interest rates are guaranteed for 14 weeks as detailed on your client's offer
  • No upper age limit - anyone aged 55 or over can make use of the equity in their home
  • Online access - you and your client can see up-to-date policy details 24/7
  • Downsizing protection is a standard product feature which allows a client to move to a property that doesn't meet our lending criteria and repay their lifetime mortgage in full without paying an early repayment charge.

Enhanced rates

  • Clients with certain health or lifestyle conditions could benefit from lower rates of interest or a higher loan to value on Aviva Equity Release products.

You can find out more on our Equity Release service here.

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