Pensioner Mortgages & Later Life Lending
Specialist mortgages for retirees with no maximum age limits and flexible pension income assessment
Content reviewed: 13 January 2026
What is the maximum age for getting a mortgage?
Many specialist lenders have no maximum age limit for pensioner mortgages. Retirement Interest-Only (RIO) mortgages are available at any age with no fixed term end date. Standard mortgages typically have age limits of 70-85 at term end. Pension income from state, private, and workplace pensions is accepted for affordability assessment.
Can pensioners get a mortgage?
Yes, many lenders offer mortgages to pensioners with no upper age limit. Retirement Interest-Only mortgages have no fixed end date. Pension income from state, private, and workplace pensions is accepted. Your Home Finance specialises in finding age-friendly lenders for your circumstances.
Key Benefits
Why later life lending works for pensioners and retirees
Access mortgages into your 70s, 80s, and beyond with specialist later life lenders
State pension, private pensions, and annuities fully considered for affordability
Interest-only, part-and-part, or retirement interest-only mortgages available
Retirement Interest-Only mortgages with no fixed end date or mandatory repayment age
Expert Tips & Insights
Everything you need to know about later life mortgages
Frequently Asked Questions
Get answers to common pensioner mortgage questions
Ready to Explore Later Life Mortgage Options?
Get specialist advice on retirement mortgages, RIO products, and pension income lending.
Speak to Our Later Life Specialists