Mortgages for the Over 55s

Talk to us about retirement mortgages

 

We are increasingly approached by customers looking for affordable mortgage options into retirement. Whether this is a result of a change in circumstances such as divorce, or to release equity from the family home to help younger generations onto the housing ladder, there are now multiple options available.

Provided that you have suitable retirement income, there are now more lenders who offer extended mortgage terms, both on a capital and interest (repayment), or interest only basis. Book a free consultation with us to discuss the full range of options available to you.

If you do not have enough retirement income to draw upon, or do not wish to make monthly payments, you could potentially look to release equity from your home via a Lifetime Mortgage. This is not a service we provide in-house at SHFS, however we can refer you to one of our partner advisers at Protection & Investment Ltd.

 

  • ''SHFS couldn't be more helpful, knowledgeable, friendly and fast at responding. Would highly recommend.''

    — Jess B

  • ''Tom managed to find us a better deal than we got going directly to banks. He has been there every single step of the way and we cannot thank him enough. We would not go anywhere else now.''

    — Elizabeth B

  • ''I am a first time buyer and Tom has been extremely helpful, no question too silly, very professional and easily contactable. Tom has made the process a lot less daunting and found me the best deal.''

    — Zofia

  • ''I wasn't sure if I was suitable for a mortgage, but I cannot recommend Kelly and the team any more highly. Any person needing a mortgage can rest assured they will do nothing but the very best for you.''

    — Kyle W