With over 30 years’ experience in financial services, we specialise in helping homeowners over 50 navigate later life borrowing, including standard mortgages, Retirement Interest-Only (RIO) mortgages and lifetime mortgages.
Harbour Home Finance Ltd Specialises In
Buying a Home
Remortgaging & Additional Borrowing
Income & Employment
Residency & Nationality
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.
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.
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.
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
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.
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