Mortgages for Pensioners Hub
Looking for a mortgage in retirement?
We have advisors who specialise in mortgages for pensioners and can guide you to lenders who are flexible with age and retirement income.
Mortgages for Pensioners
Getting a mortgage later in life is possible, but lenders often apply different rules. The key considerations are your age, your income in retirement, and how long the mortgage term will run. Some lenders have strict age limits, while others are more flexible if you can show a reliable income.
Acceptable income might include pensions, investments, or rental income. If affordability is a challenge, there are also alternative products such as retirement interest-only mortgages (RIOs) and equity release, which can help older borrowers access funds while keeping monthly costs manageable.
At Online Mortgage Advisor, we have advisors who specialise in later-life lending. They understand how different lenders assess pension income, what age limits apply, and which products are most suitable for your situation.
“Getting a mortgage in retirement is possible. The key is showing a reliable income and knowing which lenders are flexible with age. We explain the options and guide you to the deals that fit your circumstances.”
Check your affordability
Use our calculator to see how much you could borrow based on your pension or retirement income.
Read our guides
Browse our pensioner mortgage guides to learn about age limits, affordability checks, and later-life alternatives such as RIOs and equity release.
Compare mortgage deals
Use our comparison tool to view lenders currently offering mortgages to older borrowers.
Speak to an expert
Get matched with an advisor who specialises in mortgages for pensioners and knows which lenders are most likely to accept your application.
We have advisors who specialise in mortgages for pensioners and later-life lending. They will explain your options clearly and guide you through the process from start to finish. Make an enquiry today.
Our Guides
Expert mortgage guidance tailored for pensioners.
Mortgage Tools & Calculators
Professional tools designed to help you understand your mortgage options, compare rates, and make informed decisions about your financial future.
Frequently Asked Questions
Still have questions about mortgages, rates, or the application process? Our comprehensive FAQ section covers everything from first-time buyer queries to complex remortgage scenarios.
Yes, some lenders are willing to lend to pensioners. However, you will face different obstacles such as likely facing a limited pool of lenders.
Most lenders will be willing to lend pensioners 4 to 4.5x their income.
A mortgage advisor will search the market for you and recommend the best deal based on your situation. They do more than compare rates. They understand lender criteria, manage the paperwork, and know how to get complex cases approved.
With expertise in specialist mortgages and strong lender relationships, they save you time, reduce the risk of rejection, and often access deals not available directly.
Online Mortgage Advisor is an FCA-authorised mortgage broker serving customers nationwide. We match you with specialists who excel in situations like yours.
Over 600,000 borrowers have trusted us to help them find the right deal, and we are rated Excellent on Trustpilot.
Your first chat with an advisor is always free and comes with no obligation.
If you choose to go ahead, fees vary depending on the complexity of your case, but you will always know the cost upfront. You will never be charged without agreeing to it first.
Customer Success Stories
Find out your best mortgage options today
You’ll have a dedicated team by your side from questions to completion, with clear choices and costs explained upfront. We’ll match you with a mortgage advisor specialising in your unique situation.