Nick Craddock
Viva Retirement Solutions
0330 038 8939
Based in Gloucester
View locationTop Rated 2025
Top Rated advisers have met the qualification criteria for VouchedFor's Top Rated Guide, as determined by their client feedback
Verified since: December, 2020
Equity Release Adviser
Nick is an Equity Release specialist, meaning Nick can advise if releasing equity from your home would be right for you or not. Nick is a Whole of Market adviser, meaning Nick has access to a sufficient range of lenders who offer these plans, and is in no way limited to products provided by companies Nick works with.
4.9 out of 5
Checks carried out by VouchedFor
FCA status: Certified by Firm
Nick is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Nick's status
Last checked: 15 April 2025
Nick is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Nick's status
17
Recent Client Reviews
Nick has received 17 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Nick has received 17 client reviews in the past 12 months; 100% of these have been verified
Whole of Market Equity Release Adviser
Nick is an Equity Release specialist, meaning Nick can advise if releasing equity from your home would be right for you or not. Nick is a Whole of Market adviser, meaning Nick has access to a sufficient range of lenders who offer these plans, and is in no way limited to products provided by companies Nick works with.
Last checked: 13 December 2024
Nick is an Equity Release specialist, meaning Nick can advise if releasing equity from your home would be right for you or not. Nick is a Whole of Market adviser, meaning Nick has access to a sufficient range of lenders who offer these plans, and is in no way limited to products provided by companies Nick works with.
2
Qualifications Uploaded
Nick has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
2 qualification certificates available to view
Nick has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
3
Positive First Impressions
67% of VouchedFor users have had a positive (4 or 5 star) first experience with Nick (based on 3 first impressions)
67% of users who are not yet clients had a positive first experience with Nick
67% of VouchedFor users have had a positive (4 or 5 star) first experience with Nick (based on 3 first impressions)
Checks carried out by VouchedFor
FCA status: Certified by Firm
Nick is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Nick's status
Last checked: 15 April 2025
Nick is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Nick's status
17
Recent Client Reviews
Nick has received 17 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Nick has received 17 client reviews in the past 12 months; 100% of these have been verified
Whole of Market Equity Release Adviser
Nick is an Equity Release specialist, meaning Nick can advise if releasing equity from your home would be right for you or not. Nick is a Whole of Market adviser, meaning Nick has access to a sufficient range of lenders who offer these plans, and is in no way limited to products provided by companies Nick works with.
Last checked: 13 December 2024
Nick is an Equity Release specialist, meaning Nick can advise if releasing equity from your home would be right for you or not. Nick is a Whole of Market adviser, meaning Nick has access to a sufficient range of lenders who offer these plans, and is in no way limited to products provided by companies Nick works with.
2
Qualifications Uploaded
Nick has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
2 qualification certificates available to view
Nick has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
3
Positive First Impressions
67% of VouchedFor users have had a positive (4 or 5 star) first experience with Nick (based on 3 first impressions)
67% of users who are not yet clients had a positive first experience with Nick
67% of VouchedFor users have had a positive (4 or 5 star) first experience with Nick (based on 3 first impressions)
Prior to joining Viva Retirement Solutions, I worked for the world’s largest building society; Nationwide, for 32 years. Putting customers at the heart of everything I do matches perfectly with Viva’s service ethos, and I am delighted to have the opportunity of advising our clients as to how they can achieve their later life aspirations. Viva were recommended to me as a company that I should continue my career with, and I am delighted to have joined the team. My career at Nationwide was varied and enjoyable. My passion was helping members achieve their financial goals whether as an adviser or a senior manager with responsibility for adviser and branch teams. Most recently I have been advising borrowers whose mortgages have come to the end of their term, to create repayment solutions for them. I understand that there is a growing need for quality advice in this area as well as later life planning generally. It is my aim to ensure that all my clients have the necessary knowledge and opportunity to make suitable and beneficial decisions to ensure a fulfilling retirement. Nick is a graduated member of the Answers in Retirement Later Life Academy. I am married with one son and live in Gloucestershire and enjoy a range of sports some of which I even take part in! Retirement is something that I will have to think about in the future but before that happens I would be delighted to discuss your needs with you to ensure you enjoy the best possible future. Just to let you know ..... viva Retirement Solutions fee for arranging a Lifetime mortgage is £750 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.
£430,000 Consumer Protection
Your money is protected against bad advice by the Financial Ombudsman Service up to a maximum limit of £430k and by the Financial Services Compensation Scheme (FSCS) if the company goes out of business (in which case, limits may vary - see the FSCS website for more details).
About Nick's clients
Based on responses provided by clients who have reviewed this adviser
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