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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? Nonsense. Demographic shifts mean lending criteria have changed. We have lenders who lend up to age 95 or even with NO maximum age limit.

  • Interest Only up to 75% LTV
  • Sale of Property accepted as repayment vehicle
  • Term end extended to Age 95 (or Life)
  • Pension income + Investment income used
"You likely have significant equity and stable pension income. You are the ideal borrower. Don't let a computer tell you otherwise."

Check Your Eligibility

No credit check required

Our Lending Partners
Whole of Market Access

Just a few of the lenders we quote

From high street giants to specialist niche lenders.

As an Appointed Representative of Echo Finance, we have direct access to over 100 lenders across the UK market, ensuring you get specialist advice and the most competitive rates available for your specific income structure.

Later Life Lending Success Stories

Retirement shouldn't mean the end of your mortgage options. We specialize in lending for ages 55-90+.

Low Monthly Payments

Age 95 Term End

"Applicant aged 74 needed to lower payments. High street said 'max age 75'. We secured a term ending at age 95 on an interest-only basis."

R

Robert & Mary

Devon

Accepted at 70% LTV

Sale of Property Strategy

"Client wanted to use the future sale of their £1.2m home to repay the loan. Bank rejected it. We found a specialist who accepts this strategy up to 70% LTV."

S

Simon P.

London

Fixed for Life

Retirement Interest Only (RIO)

"Widow wanted security. We arranged a RIO mortgage where the rate is fixed for life, and the loan is only repaid when the property is sold or she moves into care."

P

Patricia H.

Kent