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.