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Retirement Interest Only Mortgages

Rio Mortgages Marsden Building Society

Available to those aged 55+, our Retirement Interest Only (RIO) mortgages could be suitable for those looking to remain in their home with no plans to downsize.

Last updated 24 November 2023

View our products

You can view the products currently available by downloading our RIO product sheet. Please note, products can be withdrawn without prior notice.


There’s a range of eligibility criteria you’ll need to meet for our RIO mortgage range. As a guide, you could be eligible for a RIO mortgage with the Marsden if:

  • You’re looking to borrow at least £30,000
  • You’re looking to borrow a maximum of £750,000
  • Your property is worth at least £150,000
  • You’re looking to borrow up to 55% LTV
  • You’re at least 55 years old (for joint cases, both applicants need to be 55 or over)
  • You have an annual income of at least £17,500 (the mortgage needs to be affordable by both applicants)
  • You’re looking for an interest only mortgage
  • You want to stay in your property with no plans to downsize


Please note, if you’re looking to borrow against your home for a variety of reasons (home improvements for example), depending on the amount of the loan advance, documented evidence may be required to support the loan purpose.

How to apply

If you’d like to apply for a mortgage with us, our team of UK-based advisors are on hand to help. They can give you more details about our products, walk you through the application process and carry out an Agreement in Principle (AIP) over the phone.

To find out more, please call 01282 440500 or request a call back on this page. Our advisors are available Monday to Friday from 9:00am to 4:45pm.

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