Lending into retirement

If it’s a mortgage in later life you’re looking for,
we could help.


Borrowing into retirement with Furness

No matter how well you’ve prepared for retirement, sometimes you may need a little extra help. Securing a mortgage in later life can be particularly challenging, which is why we have mortgages available to homebuyers able to pay off the loan by age 80, as well as 40-year terms.

Can I get a mortgage if I’m nearing retirement?

We have mortgages suitable for homebuyers that need to borrow into retirement or even those who’ve already retired. We’ll also assess your mortgage needs beyond what is often perceived as the normal retirement age, as we'll consider applicants able to pay off the loan by age 80.

If you’re already retired, we’ll consider you for a mortgage with a maximum loan-to-value (LTV) of 70%. If you’re not yet retired, but the mortgage term will end after your retirement age, the maximum LTV would be 80%. Please note that the maximum LTVs are calculated based on the oldest applicant’s age, so please get in touch with our team for an accurate assessment based on your circumstances.

Older borrowers also have access to our full range of standard mortgage products. Use our mortgage finder to see which products are available to you, or speak with a member of our team on 0800 880 7435.

Can I get a mortgage if I’m already retired?

Can you get a mortgage on a pension?

What interest rates are available on mortgages in retirement?

What’s the maximum age for a mortgage?

From new mortgages to remortgaging and Buy-to-Let, we can help you find the right deal.

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