Improve your chances of getting an over 50s mortgage

Improve your chances of getting an over 50s mortgage

It's still possible to get a mortgage when you're 50 plus

Mortgage advice

The older you get, the more complicated it becomes to take out a mortgage to finance homeownership. This is because your retirement age is taken into account for the viability of what you can afford to borrow. Banks and building societies are reluctant to lend money beyond retirement age. We are aware that both the Bath Building Society and Mansfield Building Society will lend up to the age of 85. However, other lenders are prepared to provide mortgages to older home buyers too. We recommend you seek free mortgage advice from a mortgage advisor at the award-winning L&C who have a range of options available.

Factors which will help your case are proof of income, to show you can maintain your mortgage payments after you've retired. Knowing your monthly budget will allow you to understand exactly what you can afford without stretching your finances beyond your means. Finally provide a clear, concise plan of how you will afford to pay back the loan. 


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