Lending into Retirement Mortgages

• Available to those aged 55+
• Interest only, repayment or part and part up to 60% LTV with no restriction on interest only element
• Earned income considered up to age 75
• Minimum loan size £30,000 (unless stated otherwise)
• Minimum property value £150,000 (unless stated otherwise)
• Downsizing accepted as a repayment vehicle

View our full Lending into Retirement criteria.

5.55%

• Fixed rate to 31/07/26
• Follow-on variable rate of 7.24% to 31/07/29
• No booking fee
• £998 arrangement fee

• Affordability Calculator (Excel)*
• Application in Principle (PDF)
  
• Documentation Checklist (PDF)
• Fact Sheet (PDF)

You can find more forms and checklists on our Downloads page.

*Please note: When downloading the Affordability Calculator, you'll need to save the file into a trusted location (for example, your personal folders, not 'downloads') to ensure maximum accessibility.