Older client? No problem.

19 Jul 2019

We don’t let age get in our way.

Do you have older clients who haven’t had any joy with the big high street lenders who can't see past their age?  

We don’t do that. In fact, we’re specialists when it comes to later life lending and we pride ourselves on being different.

We have generous terms for older borrowers:

  • We lend up to age 95 at the end of the term for Owner Occupier repayment mortgages.
  • We lend up to age 89 when the loan starts for Owner Occupier and Buy to Let interest only mortgages.
  • 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 a SA302.
  • We have no set maximum loan amount.

Not only that but…

  • We listen: we take the time to listen to and understand your client’s story.
  • We use common sense: we underwrite all our mortgages individually and we don’t use underwriting software. We don’t credit score either.
  • We’re flexible: we treat each of your clients as individuals on a case by case basis.
We’re the experts: we’ve been helping older clients just like yours for years.

How have we already helped others?


Bob and LindaBob and Linda photo
When they were turned down because they were aged over 75, Bob and Linda were worried they'd have to move away from their children and grandchildren.

Our solution: We were able to offer the couple a 5 year fixed rate mortgage with a 14 year term, which meant they were able to buy their home and stay living near their family. Read their story


Robert and CherylRobert and Cheryl photo
When they struggled to extend their mortgage term, the couple faced having to downsize before they felt ready. 

Our solution: We were able to offer the couple a five year discounted rate mortgage for 12 years which gave them the flexibility to downsize at a time that suited them. Read their story

For more information, please visit our later life lending page 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.
Edit my local BDM

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.
Edit my local BDM

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.
Edit my local BDM

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.
Edit my local BDM

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.
Edit my local BDM

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.
Edit my local BDM

We do not currently have a BDM covering your area. Please contact our Mortgage Helpdesk:

Opening hours: Mon - Fri: 8am - 5.30pm, Sat: 9am - noon

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

Edit my local BDM