With record low interest rates and the pension crisis which came to light towards the end of the last decade, many people now aged 65 and over who have reached retirement are receiving lower than anticipated monthly incomes. For this reason, a large segment of the over 65s mortgage market are looking to release money from their homes through down-sizing to a smaller property or by turning to a re-mortgage for the following most popular reasons:

  • Renovate existing homes to a more comfortable living standard
  • Release capital and experience a better quality of life through retirement
  • Provide deposits for children / grand children who are experiencing difficulty getting onto the property ladder through lack of deposit or high purchase prices
  • Provide education / university fees for children / grand children


On the flip side of the coin, another sector of the over 65s mortgage market are looking to embark on home ownership for the first time after a lifetime of renting or have provisions in place to purchase a home of their dreams in which to retire. In the medium to long-term, your home may also make for a good investment / security for close friends or family.


Whatever your reason for requiring a mortgage, we have access to lenders who can offer both mortgages and re-mortgages to the over 65s. These mortgages can take into consideration most sources of income including pensions, income from investments and benefits.


For further information please contact us on

FREEPHONE 0800 587 4229, request a call back,

email, or complete an online enquiry form


The overall cost for comparison is 3.7% APR

The actual rate available depends upon your circumstances.

Ask for a personalised illustration. APR variable and based on a typical case

A FEE MAY BE CHARGED - AN AVERAGE FEE WOULD BE 2.6%