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Harbour Home Finance Ltd

Harbour Home Finance Ltd Claimed

Mortgage & Later Life Finance Experts

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With over 30 years’ experience in financial services, we specialise in helping homeowners aged 50 and over understand their mortgage and later life borrowing options.

We know that borrowing needs can change as you approach or enter retirement, so we take the time to understand your circumstances, priorities and plans for the future. Whether you’re looking for a standard mortgage, considering a Retirement Interest-Only (RIO) mortgage or exploring a lifetime mortgage, we’ll explain your options clearly and help you make an informed decision.

Tell us a little about your situation and what you’re looking to achieve, and we’ll come back to you promptly. There’s no obligation – just an initial conversation to see how we can help.

Harbour Home Finance Ltd Specialises In Equity Release For

Home & Lifestyle

Family & Relationships

Repaying Borrowing

Health & Retirement

About Harbour Home Finance Ltd

Qualifications: Certificate in Mortgage Advice and Practice (CeMAP), Certificate in Regulated Equity Release (CeRER)
Year Started Advising: 1993
Languages Spoken: English
Access to Lenders: Whole of market access
Professional Memberships: Equity Release Council, Financial Intermediary & Broker Association (FIBA)

What to Expect

Advice Methods: Face-to-Face (Office), Telephone, Online
Appointments Available: Weekdays
Free Initial Consultation: Yes
Typical Fee: £695
Responds to enquiries within: One working day

Regulatory Information

Financial Conduct Authority (FCA) Authorisation: Harbour Home Finance Ltd is an Appointed Representative of Connect IFA Ltd, which is authorised and regulated by the Financial Conduct Authorit
FCA Number: 1053423
View on FCA Register

Q Can I get a mortgage after I retire?

Yes. Many lenders will consider applications from retired borrowers, subject to affordability and lending criteria. Options include standard residential mortgages, Retirement Interest-Only (RIO) mortgages and lifetime mortgages.

Q Is there an upper age limit for getting a mortgage?

Not necessarily. Some lenders have no maximum age, while others apply age limits. The right solution depends on your income, objectives and individual circumstances.

Q What is a Retirement Interest-Only (RIO) mortgage?

A RIO mortgage allows you to make monthly interest payments throughout retirement, with the capital usually repaid when the property is sold following death or a move into long-term care.

Q What is the difference between a RIO mortgage and a lifetime mortgage?

A RIO mortgage requires monthly interest payments, whereas a lifetime mortgage does not. The most suitable option depends on your income, affordability and long-term plans

Q Do you advise on standard mortgages as well as later life lending?

Yes. We advise on residential mortgages, remortgages, later life lending, Retirement Interest-Only mortgages, lifetime mortgages and many specialist lending scenarios.