TYPES OF LATER LIFE LENDING
Helping you make the most of later life.
Whether you're planning for retirement, looking to release equity, or exploring borrowing options later in life, we're here to help. Discover solutions designed to provide flexibility, financial confidence, and peace of mind.
LATER LIFE MORTGAGES
Flexible borrowing for later life.
Turning a certain age doesn't mean your borrowing options disappear.
Later Life Mortgages are designed for those approaching or already in retirement, allowing you to borrow beyond the traditional retirement age using pension income and other eligible sources.
Whether you're looking to purchase a new home, remortgage, or simply need access to additional funds, these mortgages offer a way to keep your options open well into later life.
Our advisors will help you understand what's available and whether this route is right for your circumstances.
RETIREMENT READY
Flexible borrowing
LOWER PAYMENTS
Interest-only
RETIREMENT INTEREST-ONLY
Keep borrowing, reduce repayments.
A Retirement Interest-Only (RIO) mortgage offers a flexible way to manage borrowing throughout retirement.
Rather than repaying the full loan by a set date, you simply make interest-only payments for as long as you own the property, with the loan itself usually repaid when the home is eventually sold, often when you move into long-term care or pass away.
This can make monthly payments more manageable and provide a practical alternative for those who no longer qualify for standard mortgage terms but still want to keep some borrowing in place during retirement.
EQUITY RELEASE
Unlock the value in your home.
If you're aged 55 or over, Equity Release could allow you to access some of the money tied up in your home, while continuing to live there. It's designed to give you greater financial flexibility without the need to move.
Funds can be released as a single lump sum or accessed gradually in stages, depending on what suits your needs.
You'll have the flexibility to make regular interest payments if you wish, or allow the interest to roll up over time, with the loan and any accrued interest typically repaid when the property is eventually sold.
It's a popular option for those looking to boost their retirement income, help family members financially, or fund home improvements and lifestyle choices, all while remaining in the home you love.
EQUITY RELEASE
Stay in your home
READY TO EXPLORE YOUR OPTIONS?
Make the most of later life lending.
Whether you're looking to borrow in retirement or unlock the value in your home, our experienced advisers are here to help you find the right solution.
Lines open Mon–Sun, 9am–9pm · Or request a call back any time
Following your free, no-obligation consultation, should you decide to proceed with our services, a fee may apply for advice and/or arranging your mortgage. The exact fee will depend on the complexity of your case and will be confirmed to you in writing before any application is submitted.