For Pensioners Mortgages
Pension income still qualifies, and specialist lenders will lend well past the high-street age cut-off.
Why for pensioners?
A mortgage for pensioners is more within reach than most people expect. Plenty of high-street lenders draw a firm line at a certain age, but a number of specialist providers are happy to lend well into retirement, as long as you can show the repayments are affordable from your pension income or other earnings.
The main thing a lender wants to see is that your income will cover the repayments for the whole term. They will look at your State Pension, any private or workplace pension, annuity income (a guaranteed income you buy with a pension pot), and other regular money coming in. Drawdown pension funds and investment portfolios can count too, depending on the lender. Our [borrowing calculator](/calculators/borrow-amount) gives you a rough idea of what you could afford on your retirement income.
At Clearview Mortgage Solutions, we deal with lenders who focus on later life borrowing, meaning mortgages for older applicants. Whether you are [remortgaging](/mortgage-types/remortgage-mortgages) your current home, moving somewhere smaller, or releasing equity, one of our advisers will track down a deal that suits your situation and stay with you through each step.
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Guides about For Pensioners mortgages
A guide to pensioner mortgages
How to get a mortgage in retirement: the way income is assessed, the age limits lenders apply, and the options open to you.
ReadRetirement interest-only mortgages
How retirement interest-only mortgages work, who they suit, and what lenders will want to see from you.
ReadUsing pension income for a mortgage
How lenders treat the State Pension, private pensions, annuities, and drawdown income when you apply.
Read
Frequently asked.
There is no legal maximum age, but each lender sets its own limits. Some cap the age at the end of the term at 75 or 80, while specialist lenders may go up to 85, or set no upper age limit at all. A broker can pinpoint which lenders will accept your application given your age and circumstances.
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for pensioners mortgages have their own quirks. Our CeMAP-qualified advisers compare 90+ UK lenders and explain how each one applies to you — no obligation.
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