Later Life Mortgages

At Our Mortgage Broker, we prioritize inclusivity, ensuring that age is never a barrier to accessing financial solutions. We treat older borrowers with the same care and attention as our younger clientele, rejecting the notion of a 'one size fits all' approach to mortgage lending.

For many years, we've been facilitating mortgages for individuals aged 60 and above, offering both Interest-Only and repayment mortgage options. Our Retirees Interest-Only (RIO) mortgage, in particular, caters to individuals aged 55 and over, providing an Interest-Only solution without a specified end date. This option is ideal for those seeking to remain in their homes without the need for downsizing.

Benefits of Lifetime Mortgages and Payment-Term Lifetime Mortgages:

• Unlock cash from your home tax-free, catering to your later life needs.
• Retain full ownership of your home, enjoying the freedom to reside in it indefinitely.
• Benefit from reduced or no monthly repayments, particularly applicable to payment-term lifetime mortgages post the oldest applicant turning 66. Overpayments are permissible at any time, subject to specific criteria.
• Ensure that you never owe more than the value of your home or pass on any equity release-related debt to your family, provided terms and conditions are met.
• Retain the right to move home in the future, subject to specific criteria.

Finding the Right Later Life Mortgage for You: Our specialist later life mortgage advisers take the time to understand your unique requirements, ensuring personalized recommendations tailored to your needs. If a later life mortgage from our range isn't suitable for your circumstances, we provide transparent guidance accordingly.

Partner with us to explore later life mortgage options that empower you to navigate your financial journey with confidence and security.