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Later in Life Mortgages

At esbs we don’t believe that age should be a barrier to living life to the full, so we offer a range of mortgages for people in later life.

We know that with age comes experience and in fact our personalised service has been valued by our customers for over 160 years. Our longevity is a hallmark of our success and the reason why we are one of the few lenders willing and able to support our members whether they are retired, or still employed or self employed.

In fact we take great pride in getting to know our members in order to give them the individual treatment they deserve.

We are able to consider mortgages to age 85, whether you will be, or are, retired, or even if you are looking to continue working in an employed or self-employed non-manual position!

So, if you want to move home to be nearer loved ones, or release capital from your existing property to help out the children, grandchildren or even great grandchildren or simply enjoy a better quality of life during your later years, a mortgage from esbs could be the solution.

Click on one of the products below to find out more

PRODUCT DISCOUNTED
FOR
STANDARD
VARIABLE
RATE (SVR)
INITIAL RATE
PAYABLE
APRC EARLY
REPAYMENT
CHARGE PERIOD
MAX
LTV
BOOKING/ ARRANGEMENT FEE
No Early Repayment Charge SVR Mortgage N/A 5.24% 5.24%
(Collar 2.5%)
5.5% N/A 75% £125 – Upfront Booking Fee Arrangement Fee 1%
Stepped 5 Year Discount from SVR Mortgage – Purchase only as follows 1.85% Yrs 1, 2 and 3 2.25% Yrs 4 and 5 5 YEARS 5.24% 3.39% Yrs 1,
2 and 3 2.99%
Yrs 4 and 5
(Collar 2.5%)
4.6% 3 Years 75% £125 – Upfront Booking Fee £1,100 Arrangement Fee
Stepped 5 Year Discount from SVR Mortgage – Remortgage only as follows 1.85% Yrs 1, 2 and 3 2.25% Yrs 4 and 5 5 YEARS 5.24% 3.39% Yrs 1,
2 and 3 2.99%
Yrs 4 and 5
(Collar 2.5%)
4.6% 3 Years 75% £125 – Upfront Booking Fee £1,100 Arrangement Fee
Discount Mortgage SVR – Purchase only less 2.25% for 5 years 5 YEARS 5.24% 2.99%
(Collar 2.5%)
4.5% 5 years 75% £125 – Upfront Booking Fee £1,100 Arrangement Fee
Discount Mortgage SVR – Remortgage only less 2.25% for 5 years 5 YEARS 5.24% 2.99%
(Collar 2.5%)
4.5% 5 years 75% £125 – Upfront Booking Fee £1,100 Arrangement Fee
Discount Mortgage SVR less 1.95% for 5 years 5 YEARS 5.24% 3.29%
(Collar 2.5%)
4.6% 5 years 75% £125 – Upfront Booking Fee £699 Arrangement Fee
Discount Mortgage SVR less 1.65% for 5 years 5 years 5.24% 3.59%
(Collar 2.5%)
4.8% 2 years 75% £125 – Upfront Booking Fee £699 Arrangement Fee
Discount Mortgage SVR less 1.45% for 5 years 5 years 5.24% 3.79%
(Collar 2.5%)
4.8% 5 Years 90% £125 – Upfront Booking Fee £599 Arrangement Fee
Discount Mortgage SVR less 1.00% for 5 years 5 Years 5.24% 4.24%
(Collar 2.5%)
5.0% 3 Years 90% £125 – Upfront Booking Fee £599 Arrangement Fee
Self-build Mortgage SVR less 0.25% for 5 years 5 years 5.24% 4.99%
(Collar 2.5%)
5.4% 2 years 50% on land and up to 75% at stage release £125 – Upfront Booking Fee £999 Arrangement Fee
Standard Variable Rate Mortgage N/A 5.24% 5.24%
(Collar 2.5%)
5.4% 2 years 90% £125 – Upfront Booking Fee £399 Arrangement Fee
Newly Qualified Associate Dentists – Stepped 5 Year Discount from SVR Mortgage as follows 2.00% Yrs 1 and 2 1.50% Yrs 3, 4 and 5 5 YEARS 5.24% 3.24% Yrs 1
and 2, 3.74%
Yrs 3, 4 and 5
(Collar 2.5%)
4.7% 5 years 90% £125 – Upfront Booking Fee
First Time Buyers Discount Mortgage SVR less 2.25% 5 Years 5.24% 2.99%
(Collar 2.5%)
4.5% 5 Years 95% £125 – Upfront Booking Fee

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

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