Our Older Borrower products work just like a conventional mortgage, however, they’re designed to support your later life clients looking to borrow in retirement.
Last updated 08 December 2023.
Our product portfolio contains the rates and details of the Older Borrower products currently available.
Key criteria for our Older Borrower range:
View our full Older Borrower criteria.
Our featured product is: DSR163
Downloads to help you apply:
You can find more forms and checklists on our Downloads page.
*Please note: When downloading the Affordability Calculator, you'll need to save the file into a trusted location (for example, your personal folders, not 'downloads') to ensure maximum accessibility.
Yes, we do have a minimum equity requirement if downsizing is the repayment vehicle. This is based on region and is subject to change so please note the amount can vary.
For joint applications we will accept both incomes, earned or pension income, so we assess just like a conventional mortgage. Please note cases are subject to income multiples of 4.5x income and earned income is subject to a maximum age of 75 or retirement age, whichever comes sooner
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