A complete guide to later-life mortgages
Later-life mortgages can help with buying, remortgaging, releasing equity or managing borrowing into retirement. See the main options and what to compare before deciding.
Using home equity wisely
Your home equity can open up later-life options, from remortgaging and downsizing to retirement interest-only and lifetime mortgages.
Mortgages in retirement: what are your options?
Retirement does not always mean your mortgage options have closed. With the right income, equity and lender fit, you may still have ways to borrow, move or reshape your plans.
Downsizing your house in later life
Downsizing in later life can help reduce borrowing, release equity or move to a home that better fits your next stage, but costs and timing need checking.
Equity release: what is it and how does it work?
Equity release can help some homeowners access money from their property in later life, but costs, risks, inheritance and alternatives need careful thought.
Retirement interest-only mortgage: Is it for you?
A retirement interest-only mortgage lets you pay the interest each month, with the loan usually repaid when the property is sold later.
Getting a mortgage over 50
Buying after 50 can still be possible, but lenders may look more closely at your income, deposit, mortgage term and retirement plans.
Over 50s remortgage: What you need to know
Remortgaging after 50 can still be possible, but lenders may look more closely at your term, income, retirement plans and overall affordability.
Mortgages for over 50s: Options, eligibility and how to get approved
Understand how lenders assess borrowers over 50 and what mortgage options are available to you