How we have helped those in retirement

27 Nov 2025

More people are looking to borrow in retirement. With life expectancy rising and financial needs evolving, older borrowers need more flexible mortgage options. 

Here's how we can help your retired clients:

  • We take into account income up to the age of 70, or even 75 if your client is in a non-manual role.

  • We consider other incomes such as pension pots, investments and fixed pensions.

  • Assessments are now carried out on a purely Interest-Only calculation regardless of the term length, improving affordability especially for those longer term applications.
  • We lend in retirement with higher maximum ages than most lenders, with a maximum age of 95 at the end of term for Repayment mortgages or 89 when the loan commences for Interest-Only and BTL mortgages.

  • We have a common sense approach to lending and every case is manually underwritten by humans not computers.

Click to see our full criteria. 

Don't just take our word for it, you can find a range of real life testimonies on our website.

See our case studies.

Mortgage in retirement

Affordability Calculator

Find out how much your residential client may be able to borrow. To see affordability for a Buy to Let client, use our Buy to Let calculator

Find Your Local

Business Development Manager

Your Local BDM:

Sam Morrison

Working out of our head office, as our phone-based BDM in Epsom, Sam has a wealth of knowledge regarding our processes and criteria and covers a variety of postcodes across the UK.
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Your Local BDM:

Neil Cadwallader

Neil has over 19 years experience in Financial Services. Neil focuses around South Wales and the West of England area. Contact Neil for help with your clients' mortgages.
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Your Local BDM:

Stuart Heavens

Stuart focuses on the South Coast area. Contact Stuart for help with your clients' mortgages.
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Your Local BDM:

Amar Mashru

Amar focuses on the Central London area. Contact Amar for help with your clients' mortgages.
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Your Local BDM:

Arif Kara

Arif was previously a mortgage adviser, and focuses on North and West London. Contact Arif for help with your clients' mortgages.
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Your Local BDM:

Nathan Waller

Nathan, previously a mortgage broker, focuses on Cambridgeshire, East Sussex, Essex, Suffolk, Hertfordshire, Bedfordshire, Lincolnshire, Norfolk and Kent. Contact Nathan for help with your clients' mortgages.
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Your Local BDM:

Gina England

Gina has a vast amount of experience with both simple and complex lending solutions. If you're in the East or West Midlands, please contact Gina for help with your clients' mortgages.
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Your Local BDM:

Paul Roberts

Paul has over 30 years' experience and focuses on the North (inc. M62 corridor), Yorkshire and the North East. Contact Paul for help with your clients' mortgages.
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A new BDM will be covering your area soon. In the meantime, our experienced business support team are on hand to support you with any applications, case updates or any queries you may have.

Opening hours: Monday - Friday: 9am - 5.30pm. Saturday: Closed

We may record any telephone calls we have with you in the interest of staff training, monitoring customer service or for security purposes.

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