Physical valuations will be in line with the latest government and Royal Institution of Chartered Surveyors advice e.surv will not be able to instruct a physical valuation if any of the following apply: The Surveyor may halt the inspection if they feel there is any risk, on completion of a risk assessment, when they arrive at the property. The cons of using Aviva’s equity release calculator. The Aviva equity release review focus’ on Aviva who are one of the most established equity release lenders in the UK, having provided lifetime mortgages for over 200,000 people since 1998. Offer subject to minimum premium €230 (€115 for Contents or Buildings only). If the applicant is a Power of Attorney, you will need to send a copy of the Power of Attorney document. 5. Further guidance can be found here. Valuation of the property 4.1. Where we can give you an indication if the application is suitable for a physical valuation we will do so. Aviva Equity Release A guide to our lifetime mortgages Lifestyle Lump Sum Max ... l Live in England, Scotland, Wales or Northern Ireland – not including the Channel Islands or the Isle of Man. We won’t charge the customer for this or change the customer’s initial loan amount. Where health and lifestyle information is given, we no longer need a customer signature on our application forms. You may be charged for calling outside of the UK. Remote valuations are based on our Remote Valuation Lending Criteria and 10% reduction of the estimated property value for all initial and additional borrowing. The Council is has set out remote process telephone or video facilities and additional steps to ensure customers are given the necessary legal advice. Aviva Life & Pensions Ireland Designated Activity Company, a private company limited by shares. For our joint protection, telephone calls may be recorded and/or monitored and will be saved for a minimum of 5 years. There are two models, face to face and telephone advice, both aimed at protecting the interests of the customer leading to the most appropriate and correct solution for each individual enquiry. Physical instructions are available for properties in the United Kingdom where it is safe to do so, in relation to the customer's circumstances and the duty of care to the surveyor. Yes, should the customer wish to proceed with a remote valuation please email: Physical valuations are based on our Lending Criteria. The Aviva enhanced lifetime mortgage option offers a lifetime equity release to those suffering from ill-health. The quotation link brings you to a website operated by Chubb European Group SE and is subject to the terms and conditions of that site. Aviva Equity Release UK Ltd Back to handbook selection Part 1: Northern Ireland Last modified: 01/07/2017 Part 2: Aviva Equity Release UK Ltd Last modified: 20/12/2019 solar panels Print PDF Contents Show all Hide all 1. Initial loans which do not complete within 14 weeks also benefit from our re-offer guarantee period. We will follow our current process for underwriting essential repairs, which is to contact you to discuss the repairs required and your client’s willingness to have these completed. Fund launch date: April 1993: OCF: 0.9971%: Initial charge: 0% Where an application is received on a Remote Valuation basis, we continue to include  a side letter as part of the offer. The scope of the valuation is limited without a physical inspection. Aviva is one of the largest equity release providers in Britain, and its entry into the Irish market would fill a void left by Bank of Ireland. Once restrictions on movement have been lifted, the aim is to return to the full face-to-face legal process, using the original Solicitor’s Certificate, with immediate effect. Aviva announces new flexible repayment options to Equity Release 11 Nov 2019 Aviva has announced significant enhancements to its lifetime mortgage proposition, making this increasingly popular form of funding in later life more flexible for all eligible customers. My father was 79 and my mother was 68. Our quotes have been updated automatically to reduce the full property value to these percentages. We regularly review our stance on carrying out Physical Valuations with e.surv (our surveying partner) in line with RICS guidance and any Government lockdowns or restrictions. Terms and conditions apply. With each signature free application, you will need to: With a signature-free application, we need to know who has received financial advice and who has given verbal consent to the borrower declaration. Monday, Tuesday, Thursday and Friday: 9:00a.m. 4. We are unable to instruct remote valuations in Northern Ireland. *6 months cover equates to 50% discount on annual motor policy. For example, a £100,000 equity release loan at 5% interest would mean you owed £211,370 after 15 years, assuming interest is compounded monthly. Our most up to date version of our application form should be used in all instances and is available on Aviva Advisers. To get a quote, simply complete our quote form, and one of our professional financial advisers will call you to discuss your requirements. If you have forgotten your password, click on the login button at the top of your screen, select the forgotten password option and we will send a temporary password to your email account. - 5:00p.m. If our lifetime mortgage is right for you, they'll be able to give you a personal illustration and highlight the benefits, as well as the costs and risks. If e.surv identify that someone in the property could be or is in the high-risk category or is shielding in accordance with the current guidelines, then they will not be able to continue the inspection and will have to reschedule an appointment. To date, they’ve provided over 200,000-lifetime mortgages to eligible homeowners over the age of 55. Compare Aviva Equity Release rates against the market to see how much you could save? Where the valuer identifies essential repairs, these will be reported on the valuation report. See our contact us page for a full directory of contact details. Rules will be revised once these have been lifted. The limits of £750,000 outside the M25 and £1m inside have been imposed by our external valuers. Registered in Ireland No 374895. By … You receive a free no obligation mortgage quote. This link will bring you to a website operated by Irish Life Health and is subject to the terms and conditions of that site. View our Christmas opening hours for our Galway call centre on your car and home queries. The cost of all initial loan and additional borrowing valuation fees are included in the interest rate of the quote for estimated property values of up to and including £5 million. Registered Office: One Park Place, Hatch Street, Dublin 2, Ireland, D02 E651. Visit the post for more. Equity release mortgages (ERMs), also called lifetime mortgages, have played an increasing role in generating income for retired home-owners. MARK STEDMAN/PHOTOCALL IRELAND. When you buy our 13 lesson Educate ‘Essential Driving’ Training Pack for €499. To get a quote, simply complete our quote form, and one of our professional financial advisers will call you to discuss your requirements. Typically 80% of the Fund will be invested in the shares of between 20 to 40 global companies. The benefits of Aviva's equity release plans. We will therefore only lend against 90% of the property value provided by the remote valuation when we calculate the maximum loan and any reserve amount we can lend to the customer. Free one year travel insurance is arranged by Aviva Direct Ireland Limited and underwritten by Chubb European Group SE. This means there may be instances where we give a quote which we subsequently cannot honour. The Equity Release Council has agreed to temporarily revise Rule 8 of the Rules and Guidance (“the Rules”) to enable cases to complete without a physical face-to-face meeting with a solicitor. Equity is the difference between the current value of your house and the amount you owe on it. Please find a link to e.surv’s Property Inspections Safety and Wellbeing Charter which covers what a customer can expect to happen here. We’re a leading equity release provider too. We can’t validate any information we receive before the application form is returned. They cannot use the remote valuation method beyond these limits as their professional indemnity insurers will not cover valuation reports above this level, where no physical inspection of the property has been carried out. Complete 1 simple form. We can instruct remote valuations in England, Scotland and Wales. Registered in Ireland No. Registered in Ireland No. A separate valuation fee will be payable on estimated property valuations from above £5m. This is to ensure the customer is aware of our obligation to value the property at a later date and inform them building insurance cover must be in place and maintained. We will continue to use our discretion, on a case by case basis, regarding the timescales to complete. A private company limited by shares. A private company limited by shares. Aviva Direct Ireland Limited is regulated by the Central Bank of Ireland. Get independent advice on your investment or retirement needs. The physical witnessing of the mortgage deed being signed remains a requirement under UK law and needs to be carried out by an independent witness arranged by the client, under social distancing rules. 31 st December - closing at 4pm and will re-open 4 th January 2021 The following sets out or stance in each devolved area; From Sunday 20 December, e-surv have concluded that the new Tier 4 restrictions in England do not prohibit their surveyors from carrying out physical property inspections where it is deemed safe to do so, and with appropriate safety precautions in place. If you wish us to call you, please advise the best telephone number to call you on. Aviva - Head office This is an interim measure to reduce the strain on GP surgeries. 165970. Aviva shakes up equity release policy By Imogen Tew. As new liquidity rules have reduced the supply of bank lending, so insurers have stepped in, encouraged by generous regulatory treatment for annuity writers. Aviva Equity Release Ltd P.O Box 520 Surrey Street Norwich NR1 3WG. We will continue to closely monitor lifetime mortgage applications we receive during this period. We plan to commence some of this activity from October and will inform you if we are contacting one of your customers. We have some restrictions for when a remote valuation is not suitable for additional borrowing on our Lifestyle Lump Sum Max and Lifestyle Flexible Option products: If following the surveyors’ risk assessment, a physical valuation is unsuitable we may consider a remote valuation depending on the circumstances. Our approach gives flexibility by providing both physical valuations where it is safe to do so, as well as remote valuations being available where acceptance and lending criteria allows. Aviva Equity Release have arranged lifetime mortgages to over 200,000 homeowners since inception in 1998 and in doing so have £7billion in released equity. Registered office at One Park Place, Hatch Street, Dublin 2, D02 E651. An example based on a male aged 75 with a £500k property living in York: Pre-property value reduction: maximum loan under LFO: £185k, maximum reserve £92.5k (maximum reserve will reduce if initial loan is more than £92.5k), Post-property value reduction: maximum loan under LFO: £166.5k, maximum reserve £83.25k (maximum reserve will reduce if initial loan is more than £83.25k). For flats, we will apply 90% of the property value before applying our normal 85% flat rate. There are no changes to our previous Lending Criteria. Please fill out a Cash Request Form and return it to us by post or email. You will be required to explain how the health data will be used by Aviva and sign the declaration to confirm you have done this. All discounts applied subject to minimum premium of €280. Communications 3. At Schroder’s UK Platform Awards 2020. HOW IT WORKS. The Aviva lifestyle flexible option equity release scheme is available through Equity Release Partners for your clients. We have temporarily removed the requirement for a customer’s signature consent to use their health data during the COVID-19 period. If an application has been declined following a physical valuation, it will not be suitable for a remote valuation and will therefore regrettably be declined. New business and additional borrowing applications are available on Aviva for Advisers for you to use with new customers. Aviva has a wide range of lifetime mortgage and equity release products geared toward finding homeowners the perfect product for their particular retirement and lifestyle needs. Advisers are still required to sign to confirm the declaration has been accepted by your client. The tax free lump sum can be larger than normal or the interest rate may be lowered. Aviva Life & Pensions Ireland Designated Activity Company, trading as Aviva Life & Pensions Ireland and Friends First, is regulated by the Central Bank of Ireland. Acceptance criteria, terms and conditions apply. Online discount is available for online quotes only. Provide a copy of the Power of Attorney document (where one exists). The interest rate will increase from 7.15% to 7.35% for business introduced through IFAs and from 7.29% to 7.49% for … Objective: The Fund aims for capital growth over the long term. During the last 18 years, more than 200,000 customers have chosen us to unlock over £7 billion from their homes to help fund their retirement. My mother is in the process of down sizing to pay off an equity release that her and my late father took out in early 2001 with Norwich Union/Aviva. Calls to 0800 numbers from UK landlines and mobiles are free. This call centre is operated by Irish Life Health. Norwich Union is increasing the fixed interest rates on its equity release Flexible Cash Release Plan with effect from 24 November 2003. The changes we have made to the declaration ask you to confirm who you have read the borrower declaration to the customer/s or a Power of Attorney. The customer or anyone living in the property is self-isolating due to COVID-19. However, we do reserve the right to suspend or reduce any cash reserve arrangement. Lines are open 24 hours a day, 365 days a year, Motor claims from overseas +353 1 89 86 400. Gain verbal consent that the borrower(s) agree to the statements contained within the declaration and to Aviva processing their application. We are maintaining our offer rate guarantees and expiry dates, which are already some of the longest in the market. Aviva is among the longest running brands in the equity release market and has been members of the Equity Release Council since 1991. 21,490 people released equity from January to June 2018 A further 12,133 in Q3 2018 £934 million release in Q3 2018 25% year on year increase in lending Average release amount is £77,000 The average age of client 70 to 74 years A link to our Lending Criteria can be found here. Yes, should the customer wish to proceed with a physical valuation please email: We will issue a new Personal Quote Summary, cancel the physical valuation inspection and instruct a remote valuation. If the valuers are instructed on a property with a customer estimated value within the limits, but in the valuer’s professional opinion the value is higher, then a valuation report cannot be submitted. Simply on knowing that you live in a flat, the Aviva will immediately make a deduction of 15% in the valuation before making … ... Further details about Aviva's lifestyle flexible option plan. Aviva Insurance Ireland Designated Activity Company, trading as Aviva, is regulated by the Central Bank of Ireland. Further details of what to expect from e.surv before and during property inspections can be found here. Click on the register link located in the top right-hand corner of your screen, give us your details and we’ll arrange access. Equity release. Read the borrower declaration to the borrower (or to each borrower if it is a joint application). We have made changes to incorporate the consent for Aviva to collect and use a customer’s health information in the borrower’s declaration. Aviva has showcased its competence in the equity release marketplace through a variety of earned awards including the award for best equity release lender in 2013. Aviva are one of the most flexible equity release lenders in the market. 31st December  - 9am – 2pm and re-opening 4th January 2021. You may find it is taking us a little longer than normal to respond to you, however, we will action your request as soon as we can and appreciate your understanding during these times. Tel (01) 898 7950. We search the equity release market for the latest deals (including online exclusive rates!) 6 months free accompanied driver cover. You can do this via a number of policies which let you access – or 'release' – the equity (cash) tied up in your home, if you're 55+. Get an extra 10% off with promo code SAFE. 165970. Sign the application form (digital signatures are accepted) to confirm you have followed this process and obtained verbal consent from the customer to proceed. Our application forms include property questions relating to roof, rainwater goods, damp, spray foam, cracking to external and internal walls, ceilings or concrete floors, and structural movement. As an example, consider that you live in a flat and use the Aviva equity release calculator. *€25 administration fee applies where any policy change available on MyAviva is made via our contact centre. Tel (01) 898 7950. Registered in Ireland No. Aviva provide a range of flexible drawdown lifetime mortgage plans and high maximum lump sum plans with the ability to also take health and lifestyle into consideration. Aviva Equity Release have arranged lifetime mortgages to over 200,000 homeowners since inception in 1998 and in doing so have £7 billion in released equity. We do understand that these are uncertain times due to the Coronavirus pandemic and the impact this may have an impact on your client’s current ability to carry out the repairs. From taking the holiday of a lifetime to life-changing cash gifts for family, or clearing all your debts at last, equity release could be the answer to a more relaxed and rewarding retirement. This guidance also applies to properties in Tiers 1 - 3 in England, and all properties across Wales, Scotland, and Northern Ireland until otherwise advised. I've just been informed that the ERC for … The re-offer will be based on the prevailing rate and guaranteed for a further 14 weeks. ... Plus equity release for clients looking to unlock value in their property, and lifetime care products to … Aviva's equity release proposition is strong and is one that I have recommended time and time again. The safety and wellbeing of e.surv and customers remains our priority and the safety precautions outlined in the Safety and Wellbeing Charter will be applied to every inspection. Where an application has been received for a remote valuation and is subsequently declined, we will provide you with a Personal Quote Summary or Key Facts Illustration on a physical valuation basis and ask you if you wish to proceed on this basis. Aviva Life & Pensions Ireland Designated Activity Company, trading as Aviva Life & Pensions Ireland and Friends First, is regulated by the Central Bank of Ireland. This is a short-term amendment to the rules and will only apply during HM Government’s requirement to “Stay at Home”. If the customer's property is in a location where Physical Valuations are not permitted. 2. Aviva provide a range of flexible drawdown lifetime mortgage plans and high maximum lump sum plans with the ability to also take health and lifestyle into consideration. The answers to these questions will support our underwriting decision and are required on both physical and remote valuations. For some time now we have successfully been running our Dual Valuations service with e.surv  (our surveying partner) across the United Kingdom (excluding Northern Ireland). Equity is the difference between the value of your property and what you owe on your mortgage loan. Aviva has made changes to its lifetime mortgages, simplifying the application process and introducing a … This amendment is only applicable during the lockdown restrictions. For example, if your home is worth €400,000 and your mortgage is €100,000, then you have equity in your property of €300,000. 1. From Sunday 20 December, e-surv have concluded that, Visit Aviva Investors for more investment options, Find out more about our Platform & Investments products, Find out more about our Retirement products, Online services - Protection services support, Find out more about our Protection products, Find out more about our Workplace benefits, Submitting New Business and Additional Borrowing applications, Queries on applications already submitted and client offers, Initial loans that completed on a remote valuation will require additional borrowing to be completed with a physical valuation, If the previous additional borrowing was taken using a remote valuation, then the next application for additional borrowing must be a physical valuation, Cases, where the last additional borrowing was taken on a remote valuation basis, can be instructed on a physical. The customer is uncomfortable for a valuation to be undertaken at this time. ‘In 2002 my parents took out an equity release lifetime mortgage of £125,000 with Norwich Union, now Aviva, with an interest rate of 7.79 per cent. Over to you. This helps prevent delays within the legal conveyancing process and means we can notify you of any additional requirements upfront. 605769. Only advisers holding membership of the Equity Release Council promise to follow our stringent Statement of Principles for your added peace of mind. If a client wishes to port their mortgage, we will request a physical valuation where it is safe to do so in relation to the customer’s circumstances and the duty of care to the surveyor, however where this is not possible a remote valuation will be allowed subject to meeting our remote valuation lending criteria. Safeguards 4. If the value of your home is greater than what you now owe on your mortgage, you may be able to ‘top up’ your mortgage through Equity Release, which is an additional mortgage loan secured on the property. We continue to be unable to lend using a remote valuation on policies with prefix CF, CL, CI, CD & LL. The amendment means Eversheds, the solicitor acting on behalf of Aviva, will be able to satisfy Aviva’s legal requirements and complete lifetime mortgages. Re-inspection 5. Please quote your claim reference number or your policy number when emailing us. A link to our physical valuation Lending Criteria can be found here. Equity release is, in a nutshell, a way to unlock the value of your property and turn it into a cash lump sum. Equity release works by freeing up the equity that’s built up in your house – without you having to sell up or downsize. You don’t need to have fully paid off your mortgage to do this. Due to high call volumes, if you are able to, please use our online form. Whilst we are offering remote valuations, we won’t be able to accept challenges to a valuation figure, re-examine cases which have been declined or reassess a decision which has already been made. If you are 65 and have a mortgage-free home worth £300,000, Aviva will offer a maximum equity release "lifestyle" loan of £87,000. Take, for example, Aviva's equity release offering. Acceptance criteria, terms and conditions apply. Aviva are pleased to have won, in partnership with FE fund info, the award for Best use of platform technology for our Client Report. Valuation 4.2. Contact your Financial Broker today. General 2. Objective: To provide long-term capital growth by investing in Hong Kong, China and Taiwan. Offers on remote valuations may be subject to a full physical valuation of the property at later date. Registered Office One Park Place, Hatch Street, Dublin 2. The solicitor will, alongside remote legal advice, conduct additional due diligence to ensure the witness is valid. 3. These are 14 weeks for an initial loan offer and 8 weeks for an additional borrowing offer, from the date that the application is submitted. We have removed the customer consent to obtain a GP report (AMRA). This means a customer can give verbal consent to you when you complete a signature-free application. Aviva Equity Release UK Limited can put you in touch with an equity release financial adviser who'll review your needs and future plans with you in person. Registered office at One Park Place, Hatch Street, Dublin 2, D02 E651. Once this has been lifted, the Equity Release Council will give a further update. This call centre is operated by Chubb European Group SE, Click here for more information on how to claim. 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