Mortgages for Over 50s – Do I Qualify?

If you are looking for a later in life 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, or even longer as the term can be to age 85 (or to age 80 if any element is interest only).

In your 50s you may also experience a peak in your earnings, you are likely to be an established homeowner, and potentially have a respectable amount for a deposit.

We can even use employed or self-employed income for the whole term if it is feasible to do so, as well as considering state, private and workplace pension incomes. As long as you can prove that you can manage mortgage repayments, you will be considered for an over 50s mortgage.

Everything is on your side, but remember, once you pass your 50s mortgage options can become more restricted so making the right decision at this point in your life, where flexibility is at its greatest, is important.

Whether you are enquiring on behalf of a relative or you are applying for yourself, please get in touch and see how we can help you achieve your dream of getting a mortgage later on in life.

To contact esbs to see what we can do for you simply click here!


Here is a handy checklist of things you may need to provide during a later life mortgage call with esbs. If you have these details at hand it will help speed up the process.

  • Any income details such as employed, self-employed rental income and pension income from state and private.
  • Any outstanding credit commitments such as credit cards, store cards, or personal loans.
  • Details of the property to be mortgaged


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