Retirement
Interest-Only (RIO)

This might suit you if

You’re not in a position to repay your mortgage in full at retirement but want to stay in your home, or you’ve built up significant equity and wish to unlock some of it to support the retirement you choose. You may want to access cash while still leaving a legacy for loved ones, or perhaps your current lender has an upper age limit and you want to remain in your home without needing to repay the mortgage.

To give you more control, we now offer a Lifetime Discount rate with no Early Repayment Charges, providing a reduced rate and complete freedom over when you choose to repay. Helping you manage your finances in the most cost‑effective and flexible way.

Next steps

Why not take advantage of our Repayment and Affordability calculators, view our rates and give us a call or request a call back to discuss your requirements? We’re here to help you start your mortgage journey…