Mortgages For Over 55s

A mortgage to meet your needs

We’re here to help find the right mortgage for you

Available to people over the age of 55 and in retirement
Can be used for almost any purpose
Pay off interest monthly

Learn more

Buy your first property
Pay off existing debts
Find a better rate than your current mortgage

Mortgage tools

To get a quick calculation use our free online calculator for instant results.

Get your calculation

You can find out if you qualify straight away over the phone by speaking to one of our mortgage advisers

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Frequently asked questions

Can a pensioner get a mortgage?

To get a mortgage it doesn’t matter whether you're still working or retired; it is based on affordability. Your income and outgoings will both be taken into consideration as part of the process.

Can you arrange mortgages for over 60s?

Yes. We can arrange mortgages for any age as long as you meet the qualification criteria.

Can you get me a mortgage even if my bank won’t lend to me?

We have providers that could assist you even if your current lender is not prepared to extend your mortgage.

How long does the process take?

This depends on your application, but it will typically take 8-12 weeks from application.

Should I have a mortgage in retirement?

Our advisers can help you consider whether a mortgage is right for you.

Things to consider

A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. You should always think carefully before securing a loan against your property.

We charge an advice fee of 1.99% of the amount released, subject to a minimum of £1,499, usually payable when the mortgage completes.

Mortgage options