Later Life Lending

Planning for the future doesn’t stop at retirement

Later life lending offers tailored mortgage options for homeowners aged 55 and over, helping you unlock the value in your property to achieve your financial goals – while staying in the home you love.

Why consider later life lending?

Stay in your home while accessing funds
Purchase a new home for yourself or your family
Flexible solutions to suit your retirement plans
Expert advice tailored to your circumstances

Whether you want to release equity for extra income, fund home improvements or provide financial help to family, our solutions give you flexibility and peace of mind. Every situation is unique, so our dedicated later-life lending team is here to provide personalised mortgage advice and guide you through your options.

Request a call back

Popular later life mortgage options

Capital & interest mortgage (repayment)

Requires monthly payments towards the loan and the interest, reducing the debt over time. A consistent income into retirement is necessary in order to afford the payments for the duration of the mortgage term.

Retirement Interest-Only mortgage (RIO)

Monthly payments to cover the interest only. The debt remains the same and must be repaid in full when you pass away or move into long-term care. Any remaining equity once the property has been sold could be inherited.

Equity release (lifetime mortgage)

Equity release mortgages provide a lump sum or additional regular income with no monthly payments required, but interest builds up the longer you have the loan. The debt plus interest must be paid off when you pass away or move into long-term care.

Find the right option for you

Your goals, income, and future plans matter. Speak to our later life lending specialists for a free, no-obligation consultation and discover the best solution for your needs.*

Speak with a consultant

*Equity release and later-life mortgages can impact inheritance, benefits and carry early repayment charges. Always seek advice from a qualified, regulated adviser before proceeding. For further information, visit the Money Helper website: https://www.moneyhelper.org.uk/en/homes/buying-a-home

Case Studies

House purchase after living abroad

In early 2025, an older client returned to the UK after years abroad and wanted to purchase their own home. Their original broker offered only one option that required waiting two years due to limited address history. Working with such a wide range of lenders, we were able to identify a lender willing to help immediately, enabling the client to start house-hunting near family without delay. We’re excited to support them through the purchase and make their move as smooth as possible. (January 2026)

Consultant: Damien O'Dwyer

Raising capital to support family member

A client came to us looking to raise capital to purchase a property for their daughter. They were also considering a move themselves to a property for over 55s. After carefully reviewing their current and future situation, we found a solution that could offer them both things they needed. This means they have the peace of mind of knowing their daughter is looked after today and they can move themselves when they are ready. We’re proud to have helped them achieve flexibility and peace of mind. (January 2026)

Consultant: Damien O'Dwyer

Later life lending

Planning for the future doesn’t stop at retirement

Why consider later life lending?

Popular later life mortgage options

Case Studies

Contact Details

Navigation