For Pensioners Mortgages

Getting a mortgage as a pensioner is more achievable than many people realise. While some high-street lenders impose strict upper age limits, a growing number of specialist providers are willing to lend well into retirement, provided you can demonstrate affordability through pension income, investments, or other sources.

The key challenge is proving that your income will cover repayments for the full term. Lenders will assess your state pension, private or workplace pensions, annuity income, and any other regular earnings. Some also consider drawdown pension funds and investment portfolios as part of their affordability calculations. Use our borrowing calculator to get an idea of what you could afford based on your retirement income.

At Clearview Mortgage Solutions, we work with lenders who specialise in lending to older borrowers. Whether you are remortgaging, downsizing, or releasing equity, our advisers will find the right deal for your circumstances and guide you through every step.