• Homes for Ukraine - important information can be found here.

  • Savings members: Following the Bank of England’s decision to raise the Bank Rate by 0.25% to 1.25% on 16 June 2022, Windfall Bond and Tracker Savings Bond rates will increase by 0.25% from 1 July 2022.  In addition we are pleased to say that many of our variable rate accounts will also be increasing from 24 June 2022. We will be informing affected customers of their new rate via email or letter shortly. (Notice updated 20/06/2022).

    Mortgage members: Tracker mortgages will change on 25 July 2022 and we will write to customers individually with revised payment details where the new rate exceeds the minimum rate (or ‘floor’) already applying to their mortgage. (Notice updated 20/06/2022).


Later life mortgages

Retired or approaching retirement? Unlike the big banks we can offer generous mortgage terms beyond the age of 60.

The mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

What is a later life mortgage?

Our range of later life mortgage products are designed to help you live a more comfortable and fulfilling life in retirement.  We offer Owner Occupier mortgages as well as later life mortgage solutions such as Retirement Interest-Only and Retirement Lifestyle Booster.

Choosing the right later life mortgage for you

We've been providing mortgages to over 60's customers for many years and are proud to do so. Even if you've been turned down by your current mortgage lender or other lenders then we may be able to help.

That’s because we don’t judge people by their age. We'll listen to your story, and if we can help by offering a longer term mortgage, that allows you to remain in your own home for longer or move somewhere more suitable, then we will.


Our later life mortgage offering

Whatever your situation we offer a range of fixed and discounted rate mortgages, suitable for remortgage or purchase on both an Interest-Only and repayment basis

Retirement Interest-Only (RIO) mortgages

Our RIO mortgages are Interest-Only mortgages that don't have a specific end date. They are designed for those over aged 55 who are looking to stay in their home and avoid downsizing.

Retirement Lifestyle Booster

An alternative to equity release for those aged 60 to 79. We offer a 10 year Interest-Only standard mortgage that gives you regular monthly advances and an optional lump sum.

Mortgage Calculators

We have a range of mortgage calculators that can give you a good idea of how much you can borrow and how much your repayments might be

Ready to apply for a later life mortgage?

Call our expert UK team

New enquiries

Savings - 03330 140141

Mortgages - 03330 140140

Existing customers

Savings - 03330 140144

Mortgages - 03330 140146

...or ask the way that suits you.

Request a call back

We can call you back at a time that suits you.

Visit us in branch

Ashley Square, Epsom, Surrey, KT18 5DD.

View our FAQs

Your questions might be answered here.