Richard Lloyd
Aviva Equity Release Advice
0330 038 8939
Based in Lytham-St-Annes
View locationTop Rated 2026
Top Rated advisers have met the qualification criteria for VouchedFor's Top Rated Guide, as determined by their client feedback
Verified since: September, 2022
Equity Release Adviser
Richard is an Equity Release specialist, meaning Richard can advise if releasing equity from your home would be right for you or not. Richard is a Limited adviser, meaning Richard has access to a limited set of lenders who offer these plans, which may be provided by companies that Richard works with. This limitation may allow Richard to offer an improved service, but it’s important you understand how these products compare with others available.
5 out of 5
Checks carried out by VouchedFor
FCA status: Certified by Firm
Richard is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Richard's status
Last checked: 20 January 2026
Richard is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Richard's status
29
Recent Client Reviews
Richard has received 29 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Richard has received 29 client reviews in the past 12 months; 100% of these have been verified
Limited Equity Release Adviser
Richard is an Equity Release specialist, meaning Richard can advise if releasing equity from your home would be right for you or not. Richard is a Limited adviser, meaning Richard has access to a limited set of lenders who offer these plans, which may be provided by companies that Richard works with. This limitation may allow Richard to offer an improved service, but it’s important you understand how these products compare with others available.
Last checked: 10 December 2025
Richard is an Equity Release specialist, meaning Richard can advise if releasing equity from your home would be right for you or not. Richard is a Limited adviser, meaning Richard has access to a limited set of lenders who offer these plans, which may be provided by companies that Richard works with. This limitation may allow Richard to offer an improved service, but it’s important you understand how these products compare with others available.
Qualifications Uploaded
Richard has not yet added their qualifications to their profile
Qualifications not yet added
Richard has not yet added their qualifications to their profile
6
Positive First Impressions
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Richard (based on 6 first impressions)
100% of users who are not yet clients had a positive first experience with Richard
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Richard (based on 6 first impressions)
I am a Financial Adviser (Equity Release Specialist) for Aviva Equity Release Advisers. I have worked in Financial Services for 29 years, with the last 23 years being in an advisory role. I have worked previously as a Mortgage Manager with HSBC and more recently as an Equity Release Advisor with HUB Financial Solutions (previously Just Retirement Solutions). I have specialised in Equity Release advice for the last 10 years. I offer advice on Lifetime Mortgages from Aviva Equity Release UK Ltd. There are *no advice* fees if you use Aviva Equity Release Advisers. I can support clients who are looking at equity release for the first time, as well as existing clients who are looking to release further equity from their home. I offer appointments by telephone, video, and face to face in the North West. If you have family or close friends you wish to involve in our meetings, then they're more than welcome to join us when we look at your enquiry in more detail.