19/09/2026
TOO OLD FOR A MORTGAGE? 🤔
Why does turning 55 suddenly make people think you’re too old for a mortgage? Or they think they’ll need to sign away some or all of the house because of their age. Simply put it’s not true!
Most pensioners have a regular, reliable income from private pensions and the State Pension — money that arrives month after month.
Yet people still working can have mortgages based on a salary from a job that could be lost tomorrow.
So why are older people often treated as though they are somehow less financially secure?
If you’re nearing retirement or retired and age 65, 70 or even 75, you may have:
✔️A steady income still
✔️A guaranteed pension income
✔️ Savings
✔️ A substantial amount of equity in your home
✔️ An excellent credit history
✔️ No debts
✔️ Years of financial responsibility behind you
And yet getting a mortgage is believed be incredibly difficult, simply because of your age. IT’S NOT!!
What if you want to move home, downsize, relocate to another part of the country or even start a new chapter of your life?
The question is whether you can comfortably afford the mortgage — rather than how old you are?
You want to be assessed on your financial circumstances, just like everyone else.
💬 If you’re over 55 and have experienced difficulties getting a mortgage, we’d love to hear your story!
So many brokers can’t be bothered with the additional work of working out slightly different incomes streams.
I’m not far off that age, I will see what I can make work for you.
Get in touch.
07359268221 or come and see me down St Peter’s Ave, I’m always happy to have a chat.
