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The population of the UK is ageing ‐ we’re all living longer and healthier lives. We’ve recognised this shift and adjusted our lending policy to reflect these changes. We know there are lots of reasons why you may be considering borrowing in later life and, providing you meet our criteria, we’ll be happy to help.

Things to think about before applying

Your income

We’ll need to know about any sources of income you have.

We’ll need to know it’s a reliable source and that you’ll be able to afford any monthly repayments on your mortgage.

Age limits

We’ll consider lending up to the age of 75 for residential mortgages and up to 85 for Buy to Let mortgages. That means you’ll need to make arrangements to pay off the mortgage before you reach those upper age limits.

If you’re not sure, try our mortgage calculators to check your details.

Impact on your circumstances

Taking out a mortgage when you’re older might have tax implications and have an impact on your state benefit entitlement. It’s important to get independent legal and financial advice.

For more information visit  www.gov.uk.

Preparing for the future

Living longer brings with it a higher risk of ill health that could affect your ability to manage the monthly payments. You’ll need to take this into consideration when you apply for a mortgage.

How to apply

Call us to apply, get a quote or discuss your options 0800 121 6263.

Useful information

The Building Societies Association have created a guide calledCan I get a mortgage at my age?’.

Existing members

Whether you'd like to borrow more, move home or change your current mortgage, we're here to help.

Help and guides

We’ve got lots of information to help you understand more about our mortgages and lending criteria.

Other information

Read some of the other important information you should know about having a mortgage with us.