Later Life Lending - our specialist subject

12 Apr 2019

Do you have clients who were turned down by high street lenders simply because of their age? 

Here, at the Family Building Society, we specialise in helping your clients not well served by the big banks. We don't use computers. We use common sense and real human beings to underwrite your mortgage cases, so not only can we lend to your clients in later life, but we do so with generous terms. 

What's more, we've been doing this for years! 

What makes us different? 

  • We have a personal approach to lending and manually underwrite all our mortgages. 
  • We offer generous mortgage terms for older borrowers:
    • Owner Occupier repayment mortgages – up to a maximum age of 95 at the end of the term 
    • Owner Occupier interest only and Buy to Let mortgages – up to a maximum age of 89 when the loan commences
  • We’ll take into account earned income up to the age of 70 and pension income beyond that.
  • We can also accept rental and investment income that can be evidenced on an SA302. 

David - Case Study bannerDavid: When their retirement plans didn't go as expected, David and his wife were left renting for years, throwing away valuable disposable income.
Result: We were able to offer them a 5 year fixed rate mortgage so they were able to buy a new home and enjoy their retirement. They are now substantially better off. Read his full story.

Roger - Case Study banner Roger: When his current mortgage provider refused to extend his mortgage due to his age, Roger struggled to find an affordable solution to allow him to stay in his home.
Result: We were able to offer Roger a 3 year discounted rate - exactly what he wanted - so he was able to stay close to his family and friends. Read his full story.



Find out more information on our later life lending or any of our other mortgage products or contact your local BDM.

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:

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:

Michelle Parry-Bunter

Michelle has worked for the Society for over a decade and focuses on the South Coast. Contact Michelle for help with your clients' mortgages.
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Your Local BDM:

Nathan Waller

Nathan was previously a mortgage and protection adviser, and focuses on Essex and Kent. Contact Nathan for help with your clients' mortgages.
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Your Local BDM:

Charlotte Grimshaw

Charlotte has a background working with intermediaries within the Building Society sector and focuses around the West M25 area. Contact Charlotte for help with your clients' mortgages.
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Your Local BDM:

Darren Deacon

Darren has over 28 years' Financial Services experience and focuses on both the East & West Midlands. Contact Darren 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 & North East. Contact Paul for help with your clients' mortgages.
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We do not currently have a BDM covering your area. Please contact our Mortgage Helpdesk:

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