Our later-life mortgages are available from age 55 and include interest-only and retirement interest only (RIO) loans, with no maximum age.
We take into account a wide range of income sources, from annuities to other forms of pension and property rental income.
You’re not in a position to pay off your mortgage in full at retirement but wish to remain in your home
You have built up a significant amount of equity in your home and wish to unlock some of it to support your chosen retirement
You want to access the cash in your home to support your retired lifestyle, but still be able to leave a legacy for those you love
Your current lender imposes an upper age limit and you want to remain in your home without having to pay off your mortgage until there is a life-changing event.
For a Decision in Principle, or Lending Certificate, confirming how much we would be prepared to lend to you
Below is a summary of the interest rates that apply to our mortgages. Speak to a member of our friendly team for a personalised mortgage quote
|Reverting to SVR** for the remainder of the term, currently
|APRC - The overall cost for comparison is
|Maximum loan to value
Follows SVR with discount of 2.25% (which will not go below a floor rate of 2.50%)
Follows SVR with discount of 1.75% (which will not go below a floor rate of 2.50%)
*Lasting Power of Attorney. **Standard Variable Rate.
Our caring team will go out of their way to get to know your circumstances, and wherever possible say ‘yes’