Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage.

We specialise in arranging mortgages for pensioners, lifetime mortgages and mortgages into retirement.

 

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our service

 
We at Berkley Vittoria Independent Financial Services Limited pride ourselves on the fact that we listen to our clients needs and base the advice that we give on this.  We fully understand that no two clients are the same.
We Recognise That Everyone is Different.

Our advisers at Berkley Vittoria have been assisting clients for over 28 years and understand the benefit of listening first and then offering sound advice based on your needs.

We are fully comprehensive and offer impartial mortgage advice.  We do not favour any particular lenders.

 

We can also assist with other related matters such as recommending solicitors or arranging any related insurances such as life assurance and buildings insurance.

 

Retirement Mortgages

You may be looking to take out a retirement mortgage because although you plan to downsize in the future, you are not ready to do so at the moment.

Whilst someone else's priority may be to release funds to enjoy life or assist their children.

How We Operate
You can communicate with us by phone, email or letter and we will respond according to your wishes.
No home visit is necessary, but available if required.
We will provide you with illustrations to consider and all initial advice is free of charge.
Our Service and Charges
 
The service that we offer is fast, efficient and unobtrusive and our transparent charge for arranging either an equity release product or mortgage into retirement (£995.00) is one of the lowest in the industry.
 
This fee is only payable when your mortgage has completed and you are in receipt of funds.
 
Why not call us for an informal chat and let us answer any questions you may have and we will guide you to the right product for you.
Call us on freephone*
0800 158 3220
*Calls free from UK landlines only
Lifetime Mortgages

You may be looking to borrow funds on a lifetime basis with your main priority being to pay the interest on the mortgage monthly, so that the amount owed never increases.

 

Alternatively, you may be looking to make no monthly payments to maximise your disposable income or even require the ability to make optional payments penalty free.

Call us on 0800 158 3220 for free initial, impartial advice.

 

Interest Only Mortgages
 

You may prefer to choose an interest only mortgage because you do not need the funds long term (your intention could be to repay the loan by downsizing, inheritance or some other means).

Whilst the number of lenders offering interest only mortgages has diminished, we are still able to assist.

 

Life Assurance
Life assurance could still be available to you regardless of your age.
 
 
Many people still want life cover in retirement to protect a mortgage, their loved ones or any debts that they may have.
 
We offer comprehensive advice and make no charge for arranging life assurance policies as we would receive commission from the life assurance provider.
 

Testimonial

 

“Very pleased with the advice received enabling us to proceed with the purchase of our home.  We have already recommended you to friends.  Thank you again for making our retirement plan come to fruition."
G Burke, Lincolnshire

 

 
 
The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren't able to resolve themselves.
To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk