Callum Fleury - Equity Release Specialist

Callum Fleury - Equity Release Specialist Whole Of Market Equity Release Adviser based in North Lanarkshire & Glasgow, helping clients across Scotland and the UK to achieve the retirement they deserve

14/08/2026

🏡 Over 55 and wondering what your mortgage options are?

Retirement doesn’t necessarily mean you have to stop borrowing. There are a range of later-life lending options that could help you make the most of your property and finances.

From Retirement Interest-Only (RIO) mortgages to lifetime mortgages and equity release, the right solution will depend on your income, property, plans and financial goals.

You could potentially use your home’s value to:
✨ Help family members
🏠 Fund home improvements
✈️ Enjoy a special holiday
💷 Refinance or manage existing borrowing
🌿 Improve your finances in retirement

Our latest blog explains the different mortgage options available to over 55s and what you need to consider when choosing between them.

👉 Read the latest blog www.vivaretirementsolutions.co.uk/post/mortgages-for-over-55s-what-are-your-options

A fee of up to £995 is only payable on completion of your Lifetime Mortgage if you proceed with an application.
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.

Do you want to unlock money within your home to help you in retirement? If you're looking to repay an existing mortgage,...
28/07/2026

Do you want to unlock money within your home to help you in retirement?

If you're looking to repay an existing mortgage, pay for care needs, carry out those home improvements you've been thinking of, or simply want a holiday of a lifetime?

Whatever your goals - Call me for a free no-obligation discussion about your circumstances.

24/07/2026

We answer frequently asked questions about the rule changes taking effect next year

More homeowners across Scotland are exploring equity release as a way to unlock some of the value tied up in their homes...
24/07/2026

More homeowners across Scotland are exploring equity release as a way to unlock some of the value tied up in their homes and improve their financial flexibility in retirement.

Recent Scottish market data shows that we had one of the highest proportions of activity among those aged 65-75 (61% of new initial advance activity in 2025) Vs 51% in all other ONS regions, including England & Wales.

This shows that there is clear activity in the region. So, what are Scots using equity release for?

✅ 23% – Repaying mortgages or existing debts
✅ 21% – Home improvements and renovations
✅ 11% – Funding holidays and travel plans
✅ 9% – Purchasing or replacing a car
✅ 9% – Creating a contingency or emergency fund

Whether you're looking to:
🏠 Improve your home
💷 Clear outstanding borrowing
✈️ Enjoy retirement a little more
👨‍👩‍👧 Support family members
📈 Strengthen your financial position

Equity release could be worth exploring.

If you're based in Scotland or the rest of the UK and would like to discuss your options, understand how equity release works, and find out whether it's right for your circumstances, please get in touch. I'd be happy to help you explore your choices with clear, impartial advice.

Contact me today for a no-obligation conversation.

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.

Think carefully before securing other debts against your home. The overall cost of repayment of other debts might be more when added to your mortgage.

24/07/2026

Later life lending opportunities offer a way to unlock financial freedom without having to move or sacrifice your lifestyle.

If you're considering Equity Release and you'd like clear, honest advice about whether it could work for you or your fam...
21/07/2026

If you're considering Equity Release and you'd like clear, honest advice about whether it could work for you or your family, reach out and I'd be delighted to help!

Another great bit of feedback & review from a recent client of mine 😌 What a Friday feeling! ⭐️ Feedback like this is on...
03/07/2026

Another great bit of feedback & review from a recent client of mine 😌

What a Friday feeling! ⭐️ Feedback like this is one of the most rewarding parts of the job, being able to help & provide solutions for those who need it is why we do what we do!

01/07/2026

If you're considering equity release, here's our latest blog detailing what's involved and examining the pros and cons of your options. Why not contact us today for a free no obligation review of your current situation.
www.vivaretirementsolutions.co.uk/post/expert-guidance-on-equity-release-options

A fee of up to £995 is only payable on completion of your Lifetime Mortgage if you proceed with an application.
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.

16/06/2026

7 million homeowner households aged 55-79 will have retirement income below the moderate living standard.

Helping your children get onto the property ladder is a very common reason why some parents look at Equity Release - Unf...
29/05/2026

Helping your children get onto the property ladder is a very common reason why some parents look at Equity Release - Unfortunately, not every situation allows the 'Bank of Mum & Dad' to consider that option.

A case like this shows exactly how Equity Release can work to achieve the same goals and allow your children to get onto the property ladder.

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