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If you are approaching retirement or have already retired and you are looking for a mortgage or re-mortgage, then we may have the perfect solution for you.
Maybe you wish to move home, consolidate debts* or replace an existing mortgage that is coming to an end but do not wish to consider an equity release product.  If so, then why not consider a mortgage into retirement?  This will enable you to borrow funds and retain them beyond your normal retirement date (up to age 100+).
We have access to lenders who will consider you for a mortgage even if your income is made up entirely from pensions, rental or investment income.
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We have High Street lenders who will give you a mortgage up until age 100+, either on an interest only or capital repayment basis.
Many high street lenders are now unwilling to allow a mortgage to extend beyond normal retirement date, even though many people now plan to work to age 70 and beyond.
We have lenders that take a more flexible approach and will consider a mortgage based on earned income to age 80 (where applicants plan to work until this age) and to age 100+ if affordability of the mortgage is based on pension, rental or investment income.
Retirement Mortgages
A mortgage into retirement is often most suitable for people who do not need to keep the funds for life and wish to repay it at some stage in the future.
If however you do need funds on a lifetime basis, click here for further information.
Interest Only Mortgages Available from 4.19% (10 year fixed rate Product) 
A retirement or pensioner mortgage is normally selected by clients who have considered equity release but feel it does not suit their needs.  
Rates for an interest only mortgage into retirement are available from 4.19% (ten year fixed rate product).   
A loan of £100,000 based on this interest rate over a ten year term would cost £349.16 per month. The actual rate would depend upon your individual circumstances. Please ask for your free personalised key facts illustration.

A retirement or pensioner mortgage could be the ideal solution for you.
You may have an existing mortgage that is coming to an end and you either have no repayment vehicle or an endowment policy that is going to leave you with a shortfall.  
Retirement Mortgages
Retirement mortgages could be suitable if you are moving home or wish to re-mortgage. They can be used to consolidate debts, replace a mortgage that is coming to an end or to raise funds for almost any purpose*.
You do not have to be already retired to take out the schemes we offer.


Retirement Mortgages
We have access to lenders who will allow you to run a buy to let mortgage on either an interest only or repayment basis up until your 90th birthday or beyond.  
They also have no minimum income requirements and would base all borrowing on the rental income that the property produces.
Click here for further information
*If you wish to re-mortgage to consolidate other non secured debts you should be aware that by taking the mortgage over a longer term, then you may pay back more in interest over the term.  You should also be aware that by incorporating unsecured debts into a mortgage you are effectively making them into secure debts and potentially putting your home at risk if you do not maintain repayments.
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