Why choose us?
As a specialist lender, we’ve designed our mortgages with you in mind. Whether you’re over 50 and looking to re-mortgage, or you’re a landlord with a holiday home or property portfolio, we want to help you get the most from your home and property.
That’s why we’ve created a range of solutions catered to your specific needs. From fixed term options to mortgages you can secure for life, we’ve focused on opening up your options.
So, take a look at our various solutions and discuss with a financial adviser to find out which one is the right choice, so you can enjoy later life knowing that you’re making the most out of your hard-earned wealth.
- Thousands of customers trust us with their mortgages. With over 50 years of experience, you’re in safe hands.
- Make the most of your retirement with one of the widest range of mortgages in the market with options to suit your needs both now and in the future.
- We treat you as an individual because we recognise every customer is different.
- A dedicated team of experts are on hand to help and support you throughout your journey
Our 50+ Residential Mortgage
What is it?
Our 50+ residential mortgage is designed for borrowers over the age of 50 and is an interest-only mortgage, meaning your monthly repayments only cover the interest. You will need to pay off the rest of the loan at the end of the term.
Who's it for?
If the time is not yet right for you to become Mortgage free but you have a plan of when and how you would like to do so, our 50+ allows you to keep your mortgage interest only payments into retirement to an agreed point that you will be ready to repay.
How it works
This is a fixed-term mortgage product (min 5 years, max 45 years) and you won't pay the loan back until the end of the mortgage term.
You only make the interest payments each month, keeping payments lower. You’ll need a plan in place to repay at the end of your term.
Our RIO Mortgage
What is it?
A RIO is a retirement interest only mortgage, on your main property, that you have for life. There’s no end date, and you’ll make interest payments each month.
Who’s it for?
It’s designed for people over 50, and you’ll need to be between 50-88 when applying. You don’t have to be retired.
How it works
You’ll make monthly interest payments, and only pay off the loan when you sell your home. You can choose to fix the interest rate for 2 or 5 years.
Have the peace of mind of having a mortgage in place for life, or as long as you need it.
Find an adviser with unbiased
We don’t offer mortgages directly to the public. It’s a big decision, and you’ll need to speak to a financial adviser to make sure it’s the right one for you. If you don’t already have an adviser, you can start your search, using unbiased.co.uk.Find a broker
Finding an Equity Release adviser
If you’re thinking about taking out an Equity Release mortgage, you’ll need to speak to a specialist adviser with the right qualification. The Equity Release Council website can help you find one.Find an adviser
Your home may be repossessed if you do not keep up repayments on your mortgage