Mortgages for Over 75s – Do I Qualify?

Although you may be approaching your later years there is absolutely no reason why you still cannot be living life to the full. The idea that a mortgage is a young person’s game is a common myth. At esbs we aim to treat every person as an individual. This is where you can take advantage of the fantastic options available through our later in life mortgage products. If you are over the age of 75, a later life mortgage could be the product for you.

With age comes experience, we know that better than anyone else here at esbs, having been established since 1857! That is why we are one of the few mortgage lenders willing to support our aging members, on a term which can be to age 85 (or to age 80 if any element is interest only).

We pride ourselves on our personalised service and will take everything into account when considering offering a mortgage. Whether you wish to move closer to loved ones or even release some equity to support family members, esbs could provide the solution for you.

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 75s mortgage.

When it comes to your future happiness there is no need to hesitate! Contact esbs today to see what we can do for you by simply clicking 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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