We should be able to help but it's important to speak with our experts to make sure we are able to present your case in the best possible light.
A number of lenders will be willing to lend after you have retired, as long as you can prove that the income from your pension would be enough to cover the repayments on the mortgage.
Most lenders work to your selected retirement age or the age of 70 — whichever is earliest.
If the mortgage term goes beyond your stated retirement date, a lender will typically either reduce the term or review your pension projections for affordability purposes.
This is why, when filling out our online forms, we'll ask you about your projected pension income and retirement date.
If you have not retired yet
You should ask your pension provider to confirm your expected retirement date, current pension pot value and expected retirement income. This will help us find the most appropriate lender out there.
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