Nick Craddock

Prior to joining Viva Retirement Solutions, I worked for the world’s largest building society; Nationwide, for 32 years. Putting customers at the heart of everything I do matches perfectly with Viva’s service ethos, and I am delighted to have the opportunity of advising our clients as to how they can achieve their later life aspirations. Viva were recommended to me as a company that I should continue my career with, and I am delighted to have joined the team. My career at Nationwide was varied and enjoyable. My passion was helping members achieve their financial goals whether as an adviser or a senior manager with responsibility for adviser and branch teams. Most recently I have been advising borrowers whose mortgages have come to the end of their term, to create repayment solutions for them. I understand that there is a growing need for quality advice in this area as well as later life planning generally. It is my aim to ensure that all my clients have the necessary knowledge and opportunity to make suitable and beneficial decisions to ensure a fulfilling retirement. Nick is a graduated member of the Answers in Retirement Later Life Academy. I am married with one son and live in Gloucestershire and enjoy a range of sports some of which I even take part in! Retirement is something that I will have to think about in the future but before that happens I would be delighted to discuss your needs with you to ensure you enjoy the best possible future. Just to let you know ..... viva Retirement Solutions fee for arranging a Lifetime mortgage is £995 payable only on completion. Research has shown that some companies charge over £1,500 or 1.95% of the loan, whatever is greater, for this service including a letter of suitability. Equity release will reduce the value of your estate and could affect eligibility to means tested benefits. I will be able to assess and explain this to you. A lifetime mortgage is a long-term commitment which could accumulate interest and is secured against your home. Equity release is not right for everyone and may reduce the value of your estate.