David Cole
Viva Retirement Solutions
0330 038 8941
Based in Leyland
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: August, 2022
Equity Release Adviser
David is an Equity Release specialist, meaning David can advise if releasing equity from your home would be right for you or not. David is a Whole of Market adviser, meaning David has access to a sufficient range of lenders who offer these plans, and is in no way limited to products provided by companies David works with.
5 out of 5
Checks carried out by VouchedFor
FCA status: Certified by Firm
David is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed David's status
Last checked: 19 April 2025
David is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed David's status
27
Recent Client Reviews
David has received 27 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
David has received 27 client reviews in the past 12 months; 100% of these have been verified
Whole of Market Equity Release Adviser
David is an Equity Release specialist, meaning David can advise if releasing equity from your home would be right for you or not. David is a Whole of Market adviser, meaning David has access to a sufficient range of lenders who offer these plans, and is in no way limited to products provided by companies David works with.
Last checked: 28 January 2025
David is an Equity Release specialist, meaning David can advise if releasing equity from your home would be right for you or not. David is a Whole of Market adviser, meaning David has access to a sufficient range of lenders who offer these plans, and is in no way limited to products provided by companies David works with.
2
Qualifications Uploaded
David has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
2 qualification certificates available to view
David has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
19
Positive First Impressions
100% of VouchedFor users have had a positive (4 or 5 star) first experience with David (based on 19 first impressions)
100% of users who are not yet clients had a positive first experience with David
100% of VouchedFor users have had a positive (4 or 5 star) first experience with David (based on 19 first impressions)
Checks carried out by VouchedFor
FCA status: Certified by Firm
David is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed David's status
Last checked: 19 April 2025
David is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed David's status
27
Recent Client Reviews
David has received 27 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
David has received 27 client reviews in the past 12 months; 100% of these have been verified
Whole of Market Equity Release Adviser
David is an Equity Release specialist, meaning David can advise if releasing equity from your home would be right for you or not. David is a Whole of Market adviser, meaning David has access to a sufficient range of lenders who offer these plans, and is in no way limited to products provided by companies David works with.
Last checked: 28 January 2025
David is an Equity Release specialist, meaning David can advise if releasing equity from your home would be right for you or not. David is a Whole of Market adviser, meaning David has access to a sufficient range of lenders who offer these plans, and is in no way limited to products provided by companies David works with.
2
Qualifications Uploaded
David has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
2 qualification certificates available to view
David has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
19
Positive First Impressions
100% of VouchedFor users have had a positive (4 or 5 star) first experience with David (based on 19 first impressions)
100% of users who are not yet clients had a positive first experience with David
100% of VouchedFor users have had a positive (4 or 5 star) first experience with David (based on 19 first impressions)
I thoroughly enjoy helping clients over 55 enjoy a better standard of retirement, achieving their goals and aspirations. I can help clients nationwide as I offer appointments either face to face, by telephone or by video call. There are no upfront fees at all and any initial chat is always entirely without any obligation-I will even tell clients if equity release isn’t right for them. I love debunking the old myths around this fantastic product that is becoming an increasingly pivotal part of later life planning and can search all the lenders in the marketplace today. Please feel free to get in touch with me today if either you, or your family and friends, need any information. Mob- 07890 652 956 Email- davidcole@vivaretirementsolutions.co.uk
£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 David's clients
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Adviser Disclaimer
A lifetime mortgage is a long term commitment which could accumulate interest and is secured against your home. Equity release is not right for everyone and may reduce the value of your estate Our 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. Viva Retirement Solutions is a trading name of Viva Retirement Ltd and is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is regulated by the Financial Conduct Authority. Registered Office: 4 Severnvale, London Colney, St Albans, Herts, AL2 1TE Registered Company Number: 10756078 Registered in England & Wales