Later Life Mortgages

There are many reasons people look to borrow as they get older. It could be to release some equity to enjoy your retirement, to move home or simply personal choice. If you are looking for mortgage borrowing in later life, we can help. 


Standard later life mortgages

We understand that everyone’s needs and circumstances are different. With our standard later life mortgages, your mortgage can run up until your 95th birthday, allowing you to borrow into your retirement or if you’re already retired.
With our standard later life range, joint applications can be considered subject to terms and conditions surrounding affordability which can be explained by our Mortgage Advisers.


Retirement Interest Only (RIO) Mortgages

Our RIO product range allows you to use the sale of your property as a repayment vehicle. You must be in receipt of pension income and have a minimum of 60% equity in the property. These mortgages have no fixed end date and can run until a life changing event occurs.

With our RIO option, if you wish to gift some equity to a family member, enjoy some holidays or even give your home a facelift, up to 25% of the property value can be released for these purposes.

We can consider joint applications for a RIO mortgage where both applicants are over 55 and you can satisfy our affordability checks individually. Our qualified Mortgage Advisers will explain our process in more detail and answer any questions you may have.


Your home is at risk if you do not keep up your payments on your mortgage. T&C’s apply on all products. Products can be withdrawn at any time. 

Please, click below to arrange for one of our Mortgage Advisers to call you.