Paul Saroya

I am a multi-award winning adviser in my own right and co-own Viva Retirement Solutions, which is a multi-award winning whole of market brokerage. With regards to Later Life Lending, I have helped thousands of clients release millions of pounds to help make their dreams and their families dreams come true, or at the very least make their position better financially. I specialise in Lifetime Mortgages, but have a good working knowledge of a wide variety of solutions across the industry. If a conventional mortgage or other type of Later Life Mortgage is best for you, we will make this clear and help you to take the best option for you. Viva Retirement Solutions and myself pride ourselves on weighing up the pro’s and con’s before recommending if any Later Life Mortgage is right or not in your specific situation. We have won the National Equity Release Awards for 9 years running in the recent past and this is for our commitment to our clients and the industry as a whole. An important figure within the industry as a whole, I have been chairman of a working group within the Equity Release Council and am currently a member of their prestigious Standards Committee - helping to set the standards for the whole industry. In March 2022 a new standard was added to Equity Release Council standards. This idea was started by myself and worked through with both Viva and the Equity Release Council and will mean that every lender under it's remit will need to offer voluntary payments as a feature of their plans. I have been involved with advising members of the public since 1998 with many years of industry experience with Aviva, formerly Norwich Union. I truly believe in putting you the client first and have built up numerous lifetime clients who are so happy with my help that they ask me to look after their friends and relatives too! 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.