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Later Life Lending

Mortgages Past Age 70? The High Street Says 'Retire'. We Say 'Refinance'.

Told you're "too old" for a new deal? Lending criteria have moved on. Some lenders will consider a mortgage term running to age 85, and will take pension and investment income into account.

  • Interest only up to 75% LTV with some lenders
  • Sale of the mortgaged property can be an accepted repayment vehicle
  • Terms considered to age 85 with some lenders
  • Pension and investment income considered

Interest-only lending at 75% LTV using the sale of your property as the repayment strategy carries strict conditions. Lenders offering it typically require substantial remaining equity — commonly £500,000 or more, and £750,000 with some — and a minimum income in the region of £75,000 individually or £100,000 jointly. Criteria vary by lender and your circumstances are assessed individually. Acceptance is not guaranteed.

If you have significant equity and a stable retirement income, an automated decline from a high-street lender may not reflect the options actually open to you. A specialist can tell you where you realistically stand.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Check Your Eligibility

No credit check required

Our Lending Partners — a selection of the mainstream and specialist lenders on our panel
Broad Lender Panel

Just a few of the lenders we quote

From high street giants to specialist niche lenders.

Mortgage advice is provided by Hayden Richards, CeMAP-qualified, a Registered Individual of Marklay Mortgages Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 930490). Richards & Logic is a trading style of MarketMedia Ltd. Hayden Richards can assess specialist mortgage options from a broad panel of UK lenders based on your complex income and borrowing needs.