Mortgages for Over 60s – Do I Qualify?

As you approach your 60’s you may think that applying for a mortgage is a bit of a ‘head against a brick wall’ idea, you may have already explored the option of qualifying for a later in life mortgage but have perhaps been turned away at other lenders.

However esbs are different and we treat each person as an individual. Whether you are 60 or 69 you could still get a mortgage, 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. As long as you can prove that you can manage mortgage repayments, you will be considered for an over 60s mortgage.

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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