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.

This might suit you if

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.

Get a Decision in Principle (DIP)

For a Decision in Principle, or Lending Certificate, confirming how much we would be prepared to lend to you

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Your home may be repossessed if you do not keep up repayments on your mortgage

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How much can you afford?

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Our current mortgage products at a glance

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

TermRate (Variable)Reverting to SVR** for the remainder of the term, currentlyAPRC - The overall cost for comparison isMaximum loan to value FeesOther features
Retirement Interest-only3 Years2.74%5.24%
4.9%60%£495 More
Interest-only2 Years2.14%5.24%
Interest-only2 Years2.44%5.24%
5.0%70%Completion fee - £NILMore
Interest-only3 Years2.74%5.24%
4.9%70%Completion fee - £NILMore

*Lasting Power of Attorney. **Standard Variable Rate.

Click here to see our rates

Our pledge to you!

Our caring team will go out of their way to get to know your circumstances, and wherever possible say ‘yes’

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