14/08/2026
🏡 Over 55 and wondering what your mortgage options are?
Retirement doesn’t necessarily mean you have to stop borrowing. There are a range of later-life lending options that could help you make the most of your property and finances.
From Retirement Interest-Only (RIO) mortgages to lifetime mortgages and equity release, the right solution will depend on your income, property, plans and financial goals.
You could potentially use your home’s value to:
✨ Help family members
🏠 Fund home improvements
✈️ Enjoy a special holiday
💷 Refinance or manage existing borrowing
🌿 Improve your finances in retirement
Our latest blog explains the different mortgage options available to over 55s and what you need to consider when choosing between them.
👉 Read the latest blog www.vivaretirementsolutions.co.uk/post/mortgages-for-over-55s-what-are-your-options
A fee of up to £995 is only payable on completion of your Lifetime Mortgage if you proceed with an application.
A lifetime mortgage is a long-term commitment which could accumulate interest and is secured against your home. Equity release is not right for everyone and may reduce the value of your estate.
