Many of us are living longer and, with the freedom of choice now surrounding access to personal pensions, more and more people are remortgaging and accessing the equity in their homes and turning it into cash for various reasons. Or maybe you just need that last mortgage to help you purchase your dream retirement home.


With these things in mind, we offer the option of interest-only and retirement interest-only (RIO) mortgages to help you in a cost-effective way, while still ensuring a legacy for those you love.

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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Our current interest-only and retirement interest-only 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

 **Standard Variable Rate.

Click here to see our rates

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