Typical Santander Mortgages For Over 60s example case in 2026
Property valuation: £181,000
Valuation fee: Free
Amount of mortgage: £117,650
The monthly payment: £252.95
Interest rate: 5.17% APR fixed for life
Product fee: Free
Payment holidays: Up to 3 per year
Does Santander offer Retirement Mortgages?
Yes, Santander Retirement Mortgages have an APR of 5.17%.
What are the current Santander interest rates for mortgages for the over-60s?
Santander’s mortgage interest rates for over 60s are 5.17% APR.
Some of the most common loan-to-value percentage ratios of LVE later life borrowing schemes over 55, More 2 Life lifetime mortgages for over 60s, OneFamily retirement interest-only mortgages over 60, YBS retirement interest-only mortgages over 75, Principality Building Society later life interest-only mortgages over 60 and Sun Life interest-only mortgages for over 60s near London are 45%, 60% and 70%.
Who are the Best Equity Release Companies in the UK
Santander UK
Some of the most common LTV ratios for Scottish Widows mortgages over 65, Barclays Bank over 60-lifetime mortgages no fees, Halifax mortgages for over 60s, L&G interest-only mortgages for over 60s, RBS mortgages over 65, and Nationwide later life mortgages for over 70s are 45%, 55%, 70%, 70%, and 70%, respectively.
Equity Release For Under 55
Some of the most common retirement finance offerings are Scottish Widows mortgages for people over 70, Barclays Bank interest-only mortgages for people over 60 near London, Post Office equity release plans, Legal & General retirement mortgages, and Nationwide Building Society over 60 lifetime mortgages.
Santander Equity Release
Santander Mortgages for Over 60s
Santander offers a range of mortgages for over 60s, designed to meet the specific financial needs of older borrowers. These products offer options such as equity release and retirement interest-only (RIO) mortgages, enabling older homeowners to tap into the equity in their homes or secure a mortgage to support their retirement planning.
These mortgages are attractive to those seeking financial stability and flexibility in their later years.
Interest Rates Table for flats and other leaseholds
| Lender | Interest Rate (%) |
|---|---|
| Lender 1 | 5.01% |
| Lender 2 | 5.26% |
| Lender 3 | 5.52% |
| Lender 4 | 5.77% |
| Lender 5 | 5.22% |
Equity Release with Santander
Santander offers several equity release options that allow older homeowners to unlock the value of their homes. Depending on the chosen product, equity release can provide a lump sum of cash, a drawdown facility, or regular payments.
These options benefit those who need to supplement their retirement income, make home improvements, or cover other expenses.
Interest Rates Comparison for freehold houses
| Lender | Interest Rate (%) |
|---|---|
| Lender 6 | 4.19% |
| Lender 7 | 4.32% |
| Lender 8 | 4.62% |
| Lender 9 | 4.87% |
| Lender 10 | 5.02% |
Interest Rates Comparison for people with health conditions that allows them to access higher loan-to-value amounts
| Lender | Interest Rate (%) |
|---|---|
| Lender 11 | 5.27% |
| Lender 12 | 5.32% |
| Lender 13 | 5.62% |
| Lender 14 | 5.88% |
| Lender 15 | 5.21% |
Interest Rates Table
| Lender | Interest Rate (%) |
|---|---|
| Lender 1 | 5.01% |
| Lender 2 | 5.38% |
| Lender 3 | 5.14% |
| Lender 4 | 4.98% |
| Lender 5 | 5.15% |
Interest Rates Comparison
| Lender | Interest Rate (%) |
|---|---|
| Lender 11 | 5.29% |
| Lender 12 | 5.36% |
| Lender 13 | 5.62% |
| Lender 14 | 5.81% |
| Lender 15 | 5.91% |
Does Santander offer Lifetime Mortgages?
Yes, Santander does lifetime mortgages at 5.17% APR. Santander Lifetime Mortgages have a loan-to-value of 55%.
Does Santander have good mortgage reviews for those in their 60s?
Yes, Santander reviews are splendid for mortgages for the over-60s.
Interest Only Lifetime Mortgage Calculator Santander
Interest Rates Table for people over 60 years old
| Lender | Interest Rate (%) |
|---|---|
| Lender 1 | 5.01% |
| Lender 2 | 5.29% |
| Lender 3 | 5.51% |
| Lender 4 | 5.76% |
| Lender 5 | 5.12% |
Interest Rates Comparison for people over 65 years old
| Lender | Interest Rate (%) |
|---|---|
| Lender 6 | 5.12% |
| Lender 7 | 5.02% |
| Lender 8 | 5.62% |
| Lender 9 | 5.87% |
| Lender 10 | 5.07% |
Does Santander do Equity Release Under 55?
Yes, Santander Equity Release Under 55 is 5.25% APRC.
Interest Only Lifetime Mortgage Calculator Santander
Interest Rates Table for 60 plus
| Lender | Interest Rate (%) |
|---|---|
| Lender 1 | 5.01% |
| Lender 2 | 5.27% |
| Lender 3 | 5.52% |
| Lender 4 | 5.79% |
| Lender 5 | 5.12% |
Interest Rates Comparison featured my money-saving expert
| Lender | Interest Rate (%) |
|---|---|
| Lender 6 | 5.13% |
| Lender 7 | 5.02% |
| Lender 8 | 4.61% |
| Lender 9 | 4.88% |
| Lender 10 | 5.03% |
Mortgages Over 60
Interest Rates Table for RIO mortgages in 2026
| Lender | Interest Rate (%) |
|---|---|
| Lender 1 | 5.01% |
| Lender 2 | 5.01% |
| Lender 3 | 5.50% |
| Lender 4 | 5.75% |
| Lender 5 | 5.02% |
Mortgages for 60 Plus
Interest Rates Comparison Lifetime Mortgage
| Lender | Interest Rate (%) |
|---|---|
| Lender 6 | 5.14% |
| Lender 7 | 5.02% |
| Lender 8 | 5.62% |
| Lender 9 | 5.87% |
| Lender 10 | 5.02% |
Customer Reviews
“Santander’s lifetime mortgage gave me the financial freedom to make future withdrawals as needed. The flexibility of the plan suited my financial situation perfectly.” – Janet, age 72
“The financial advice I received was invaluable in helping me navigate the equity release market. Santander’s excellent customer service made the entire process smooth and stress-free.” – Robert, age 69
“Choosing Santander for my equity release plan was my best decision. The fixed-term or end options provided me with financial stability and peace of mind.” – Emily, age 67
Loans For Over 70s
Does Santander offer Pensioner Mortgages?
Yes, Santander Pensioner Mortgages have an APR of 5.17%.
Later Life Interest-Only Mortgages Reviews
Later Life Interest-Only Mortgages Reviews
Santander Later-Life Mortgage
Do Santander mortgages for advisors in their 60s charge a substantial fee?
No, Santander Mortgages for advisors over 60 are free.
Santander Later-Life Mortgage
Santander Lifetime Mortgages Over 55
Does the Santander mortgages for over 60s calculator show the loan-to-value (ltv)?
The Santander Mortgages For Over 60s calculator shows an excellent loan-to-value (ltv) of 55%.
Santander Lifetime Mortgages Over 55
Mortgage For Over 50
Over 55S Santander Mortgage
Mortgage For Over 60
Does Santander do RIO mortgages for retired homeowners over 60?
A Santander RIO mortgage for the over-60s is a 5.17% APR variable rate.
Does Santander offer a retirement interest-only mortgage for the over-60s?
Yes, Santander retirement interest-only mortgages for those over 60 are 5.17% AER, fixed for life.
Mortgages For Retired Persons
Does Santander offer Equity Release?
Yes, Santander Equity Release is 5.17% APRC.
Does Santander offer remortgaging options for those over 60?
A Santander remortgage option for those over 60 is available at a variable rate of 5.17% APR.
Does Santander offer mortgage calculators for over-60s?
Yes, a Santander mortgage calculator over 60 will show a 5.17% MER variable.
Over 55 Santander Mortgage
Does Santander offer a later-life remortgage for homeowners aged 60 or over?
Yes, Santander offers later-life remortgages for over-60s at a variable 5.69% APRC.
Does Santander offer the best remortgage for retired people over 60?
Santander’s best remortgages for over-60s are 5.17% APRC, fixed for life.
Loans For Over 60s
Does Santander offer retirement remortgages for the over-60s?
A Santander retirement remortgage over 60 is a 5.17% MER variable.
Does Santander do pensioner remortgages for the over-60s?
A Santander pensioner remortgage for retired homeowners aged 60 or over has a variable APRC of 5.17%.
Mortgages For Over 65-Year-Olds
Mortgages For Over 65-Year-Olds
Santander Mortgages For People Over 70
Santander Mortgages For People Over 70
Santander Over 60 Mortgage
Challenging to finance property titles include properties built on contaminated land, leasehold properties with a short lease, typically less than 70 years, or a defective lease, properties where there are boundary disputes or where planning applications have not been applied for correctly, thatched buildings and Airey, Boot, Cornish Unit, Dorran, Dyke, Gregory, Hamish Cross, Myton, Newland, Orlit and Parkinson Frame.
There are many great lifetime mortgage rates available from the Santander Building Society for those over 60.
Santander Pensioner Mortgages and Santander Mortgages for the over 60s
Tough-to-finance home titles can include properties built or converted into dwellings, properties with grounds of more than five acres, properties without direct access to an adopted highway, and properties where there is a self-contained part of the property or annexe.
Retirement Interest-Only Mortgages
Hard-to-mortgage property types can include Timber-framed properties constructed post-1965, properties with externally applied wall insulation after construction, studio flats located within the M25, privately developed flats in blocks of two storeys without a lift, and basement or lower ground-floor flats without level access to private or communal garden space.
Retirement Interest-Only Mortgages
Santander Retirement Mortgages – a mortgage for over 60
Hard-to-mortgage property variants can include properties where proposed building works have not yet commenced, properties where letting arrangements are not appropriate, and right-to-buy properties in Scotland. These properties comprise multiple titles and properties with owned solar panels. Many lifetime mortgages for those over 60s exclude property with demanding title requirements.
Everyday finance products are Santander Retirement Mortgages and Saga Mortgages for the over 60s.
Santander Mortgages For Over 60s Twitter in 2026
Common loan-to-value ratios of Virgin Money retirement interest-only mortgages over 60, Shepherds Friendly interest-only lifetime mortgages for people over 60, Sainsbury’s later life mortgages for those over 70s, Skipton Building Society retirement interest-only mortgages over 75, West Bromwich Building Society mortgages for people 60 plus and National Counties Building Society mortgages for people over 50 are 45%, 55% and 70%. Santander mortgages for over 60s in the UK can have meagre rates than those for over 60s on MoneySavingExpert.
Some mortgages for the over-60s can have very high advisor fees if you are not careful.
There is currently a real buzz around Santander Mortgages For Over 60s Twitter as demand is high.
Can you get a mortgage if you are over 60?
Yes, a Santander over-60 mortgage could be ideal for you.
Can a 60-year-old get a mortgage in the UK?
Yes, Santander lifetime mortgages for those over 60 may be a good product for your needs.
What’s the oldest you can get a mortgage?
The good thing is that a Santander lifetime mortgage for over-60s has no upper age limit, so you can live until you are 110 years old if you like!
Can you get a mortgage if you are over 60?
Yes, MoneySavingExpert is a great place to find out more about mortgages for the 60s.
What is a lifetime mortgage for over 60s?
It is a mortgage with no monthly repayments, as the interest is added to the loan on a monthly or annual basis.
Can I get a 25-year mortgage at 65?
Yes, many products are available, including HSBC mortgages for the 60s and nationwide mortgages for those over 65.
Can I get a mortgage when I’m 65?
Yes, retirement interest-only mortgage rates 2026 can still be very low.
Can You Get a 30 Year Mortgage at 60 Years Old?
Yes, Santander offers the best mortgages for over-60s. They offer a free valuation, no fees, and no redemption penalties.
Can You Get a Mortgage When You’re Over 60?
Yes, nationwide mortgages for over-60s are standard, as are Santander mortgages for over-60s.