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If your clients are looking for mortgage lending in later life, we can help. 

Retirement interest only (RIO) mortgages

With our RIO product range, your client can use the sale of their home as their repayment strategy provided they're receiving pension income and have a minimum of 40% equity in the property.

And if they wish to gift some equity to a family member, enjoy some holidays or give their home a face-lift with some home improvements, then up to 25% of the property value can be released for these purposes.

For joint applications, both applicants must be aged 55 or over and each of them must be able to individually satisfy affordability.

Standard later life lending products

Everyone’s needs and circumstances are different. With our standard later life lending products, there’s no upper age limit meaning your clients can borrow into retirement or if they’re already retired.

Lending on retirement properties

And if they’re looking to purchase a purpose built retirement property, we can help. Our later life lending range allows your clients to buy their retirement home and again, there’s no upper age limit.

We're here to help you get the right mortgage 0121 521 4045* or email us and we'll call you back
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Business Development Team discussing potential cases