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Mortgages and secured loans for later in life

Because not everyone settles down before they retire.

Everyone’s life is different

And that doesn’t change past a certain age.

These days, we don’t all retire when we’re supposed to – if we retire at all – and we don’t all see out our twilight years in the same home we’ve lived in for decades.

So if you’re moving, renovating, or simply want to unlock some of the equity in your home – perhaps to splash out on a special purchase, or help your children onto the property ladder – talk to us.

Designed for today

Our mortgages and secured loans are made with modern later-life in mind.

We’ll take 100% of any pension income into account, as well as any wages you have from part-time jobs to keep you busy. Even if you have a zero-hours contract.

  • No minimum income requirements.
  • Up to age 80 at the end of the repayment term.
  • Products with no Early Repayment Charges available.
  • All applications are subject to an affordability assessment.

Other lenders’ red flags are our green lights

So we can often lend when others won’t. Including when:

  • You currently own your home outright.
  • You only want to borrow a small amount.
  • It’s made of concrete, has a steel or timber frame, or has a thatched roof.
  • It’s a high-rise flat.
  • It’s an ex-council property.
  • You have less-than-perfect credit history.

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