About Viva Retirement Solutions
Viva Retirement Solutions is a multi-award-winning specialist equity release advisory firm, with adviser Nick Craddock serving clients across Gloucester and the wider Gloucestershire region. Nick has earned an exceptional perfect 5 out of 5 rating from 69 client reviews on VouchedFor, placing him among the most highly-rated equity release specialists in the UK. Before joining Viva, Nick spent 32 years with Nationwide Building Society, bringing deep industry knowledge and a customer-first approach honed over three decades in financial services. The firm as a whole has earned an outstanding 5/5 rating from 1,461 reviews across 18 advisers, demonstrating consistent excellence across their entire team.
Viva Retirement Solutions specialises exclusively in later-life financial planning, particularly equity release – a financial solution that allows homeowners aged 55+ to access the wealth tied up in their property without having to move or make monthly repayments. This specialisation means clients benefit from working with true experts who understand the nuances, potential pitfalls, and opportunities within this complex area of financial planning. Client testimonials consistently praise Nick's clear explanations, patient approach, and willingness to go above and beyond. One client noted that "Nick has explained the process very clearly and has been at the end of the telephone line throughout to advise – I cannot recommend him highly enough." Another highlighted that "Nick provided a first class service and went above and beyond the normal service provided."
For Cotswolds residents approaching or in retirement who are considering equity release to supplement pension income, fund home improvements, help family members, or simply improve their quality of life in retirement, Viva Retirement Solutions offers expert, compassionate guidance. The firm is owned by Paul Saroya and Mark Lambert, who together bring over 30 years of combined experience. Their specialist focus, exceptional client ratings, and Nick Craddock's impressive track record make Viva an outstanding choice for anyone exploring equity release or other later-life lending options in the Gloucester and Cotswolds area.
Fee Structure
Viva Retirement Solutions operates on a Fee-based basis.
For detailed information about typical financial advisor fees in the Cotswolds, including what you should expect to pay and how to avoid overpaying, read our comprehensive fee guide.
💡 Before Your First Meeting: Always verify FCA registration at register.fca.org.uk and request a clear written fee schedule. A reputable advisor will happily provide both. Read our guide to choosing a financial advisor for more tips.