Retirement Mortgages

If you are approaching retirement or have already retired and you are looking for a mortgage or re-mortgage and don't wish to consider equity release schemes, we may have the perfect solution for you.


Maybe you wish to move home, consolidate debts* or replace an existing mortgage that is coming to an end? If so, then why not consider a mortgage into retirement? This will enable you to borrow funds and retain them beyond your normal retirement date (often beyond age 85).


We have access to lenders who will consider you for a mortgage even if your income is derived entirely from pensions, investment income or rental income.

Many people aged over the age of 55 who are looking to take out a mortgage or re-mortgage into retirement find that their own building society or bank cannot assist.

This may sound hard to believe when you have a good credit history, equity in your property and in many cases have an exemplary record in paying your current or previous mortgage!

A retirement mortgage is normally the product of choice by applicants who have considered lifetime mortgages but feel it does not suit their needs.  A retirement mortgage tends to appeal to people who do not need to keep the funds for life either because they want a capital repayment mortgage or wish to repay an interest only mortgage by one of these methods:-



Utilising savings and investments

Sale of another property

We have access to high street and specialist lenders who will offer capital repayment mortgages until age 85+ and interest only mortgages until age 95.


Rates available from 1.59% fixed (3.12% APRC)*. Some schemes qualify for a free valuation and legals package.


We have schemes available with no early redemption penalties at any stage.

*If you wish to re-mortgage to consolidate other non secured debts you should be aware that by taking the mortgage over a longer term, then you may pay back more in interest over the term.  


*Subject to status.

To find out further information on the retirement mortgages we have to offer, please visit our dedicated website or call us on 0800 158 3220

Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage.

Berkley Vittoria Independent Financial Services is authorised and regulated by the Financial Conduct Authority.  Our FCA number is 150186.  The FCA does not regulate most Buy to Let mortgages.  

Registered Office:  The Stirrups, Claypit Lane, Lichfield, Staffordshire, WS14 0AQ.  Registered in England and Wales No. 2667979


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