Later Life Mortgages

• Available to those aged 55+
• Interest only or repayment up to 70% LTV
• Earned income considered up to age 75
• Minimum property value £150,000
• Downsizing accepted as a repayment vehicle

View our full Later Life criteria.

4.79%

• Fixed rate to 31/01/27
• Follow-on variable rate of 6.44% to 31/01/30
• Maximum loan size of £500,000
• £0 booking fee
• £1,499 arrangement fee

• Affordability Calculator (Excel)*
• Application in Principle (PDF)
• Documentation Checklist (PDF)
• Fact Sheet (PDF)

 You can find more forms and checklists on our Downloads page.

*Please note: When downloading the Affordability Calculator, you'll need to save the file into a trusted location (for example, your personal folders, not 'downloads') to ensure maximum accessibility.