Mortgages for over-65s – mission possible!

Are you over sixty-five and finding it challenging to get a mortgage? You’re certainly not alone, according to recent findings1. 

With the number of people in the UK aged over 65 soon expected to surpass those aged 18 and under, just 37% of potential borrowers aged 65 and over are offered the size of loan requested, compared with 75% of younger borrowers; despite the average loan request being much lower for older borrowers (£100,000 for older borrowers versus £216,750 for those aged under 65 – March 2022). 

Lenders are looking for evidence that you will be able to make the repayments for the entire term of your mortgage. It’s also important to be able to demonstrate that you’re a responsible borrower with a stable income. Getting a mortgage as an older borrower is not mission impossible; whatever your circumstances, we can help. 

1MBT Affordability Index, 2022 

As a mortgage is secured against your home or property, it could be repossessed if you do not keep up mortgage repayments. 

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