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How To Get a Mortgage Later in Life

Once you hit the age of 50, you may notice that the types of mortgages on offer, as well as your options, begin to change. It is at this point where careful consideration should come into play, and finding a specialist mortgage provider with a personalised service can benefit you in the long term.

At esbs we treat everyone as an individual, so whether they are looking to get a mortgage at 55 or later, we will do our best to help you do just that!

How old can you be to get a mortgage?

At esbs we cater for people who are looking for mortgages to be repaid by the time they are 85 years old, whether you are retired, employed or self-employed in a non-manual position.

So what is the age limit for a mortgage? Read below for more details on specific ages.

Can I get a mortgage at 50?

If you are looking for a mortgage and you are in your 50s then you will experience the most flexibility in mortgage choices, when we consider all esbs later-life products. Typically, you should be able to apply for the standard 25-year mortgage term.

Find out more: Mortgages for Over 50s – Do I Qualify?

Can I get a mortgage at 60 or 65?

Yes, but one of the key things to keep in mind here is that the length of your mortgage will be more restricted, however, the term can be to age 85 (or to age 80 if any element is interest only).

We can even use employed or self-employed income if it is feasible to do so, and/or state, private and workplace pension incomes.

Find out more: Mortgages for Over 60s and Over Over 65s – Do I Qualify?

Can I get a mortgage at 70 or 75?

This is the stage where many lenders won’t offer a mortgage, but at esbs we pride ourselves on catering to people ages 70 – 80 years old by offering a more personalised service and taking everything into consideration when looking to provide a mortgage to over 70s.

Therefore, if you are aged 50 – 80 years old and are looking for a mortgage, we could help.

Find out more: Mortgages for Over 70s and Over 75s – Do I Qualify?


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