With effect from Monday 6th February 2017, postcodes will be used as an additional rating factor to determine the maximum loan to value (LTV) with Aviva. As a result, interest rates on the Lifestyle Lump sum max and Lifestyle Flexible Options will also decrease on some cases.  


From 6th February 2017, postcodes will form part of the Aviva rating strategy to determine maximum LTVs available for customers, across all of their products. This is due to Aviva’s long term underwriting expertise in equity release properties, which allows us to tailor our products based on our view of property risk.

This update will mean that some postcodes will have a higher maximum LTV available whilst others will remain the same. No LTVs will be reduced as part of this rate change.


New business and pipeline applications:

From 6th February 2017 a new Flex-Tool (version 06.02.2017) will go live, please ensure the correct postcode is used in the Flex-Tool as this will determine a maximum LTV which is bespoke to the customer.

New Business


Expired Cases



Additional Borrowing

From 6th February 2017 the LTV structure on additional borrowing on the Lifestyle Flexible Option, Cash Reserve Option, Lifestyle Lump Sum Max, Lifestyle Lump Sum, Fixed Rate Lifetime Mortgage and Fixed Rate Income Lifetime Mortgages will also change.



Expired Cases

This means it is even more important to contact us for a quote/KFI as these changes, along with the rates, will not be shown in any of the sourcing systems! Click Here to fill in an email template for a quote or call us on 01452 310777. 

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