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Home Mortgages New customers Mortgages in later life

There are many reasons why someone in or approaching retirement may be looking for a new mortgage. 

Our later life policy is tailored for those looking to borrow in and approaching retirement and allows:

  • Access to all Interest Only and repayment products in our portfolio
  • We will asses your circumstances using either your current income, or your retirement income, up to the age of 80
  • Borrow up to 95% of the value of your new home (subject to product and policy terms)
  • Free advice from our team of qualified mortgage advisers, with no expectation to proceed

A personal service

Throughout your mortgage journey with us, from helping with affordability through to issuing the application, you have one dedicated point of contact. All of our team are friendly and personable and you will have direct access to them.

Flexibility and individuality 

Your application isn’t reviewed by a computer; we have a team of underwriters who work closely with your mortgage adviser to review your personal situation and circumstances. This allows us to be flexible and efficient when making a decision.

Getting started

Am I eligible for a later life mortgage?

You can apply for a later life mortgage with us if:

  • You are currently retired however are in receipt of a guaranteed pension, whether state, private or otherwise
  • You will retire before you have repaid your mortgage
  • You intend to work beyond anticipated state retirement age – we can consider those on an individual basis
  • Your mortgage will be repaid on or before 80 years of age  
How much could I borrow?

Our easy-to-use mortgage affordability calculator will help you get an idea of how much you could borrow by answering a few simple questions.

How much might my new mortgage cost?

If you want to know how much your monthly repayments might be, use our helpful mortgage repayment calculator to find out.

View our complete range of mortgages

View all our mortgages

YOUR MORTGAGE WILL BE SECURED ON YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Ready to arrange an appointment?

Tell us about your mortgage needs and arrange an appointment with a Mortgage Adviser to discuss how you could achieve them.

Book an appointment

Let's talk

Speak to one of our friendly mortgage team about your options.

0345 606 4488

Our lines are open 8am - 6pm, Monday to Friday.