
For example, a mortgage for a person over 65 years old
Property value: £175000
The amount borrowed: £113750
Monthly payment: £187.69
Interest rate: 5.21% APR
Loan to value: 65%
For many people, Santander Mortgages For Over 65s can be a very low overall cost.


Best Equity Release Companies’ maximum age

The common loan-to-value ratios of Liverpool Victoria mortgages over 70 with no maximum age, More to Life mortgages over 65, One Family later life interest-only mortgages over 70, YBS interest-only lifetime mortgages for over 60s, Metro Bank later life mortgages for over 70s, and Sun Life later life mortgages for over 70s are 45%, 55%, and 65%, respectively.
Santander UK Bank retirement income in the form of a pension statement

Typical loan-to-value percentage ratios of TSB over 60 lifetime mortgages with no fees, Barclays retirement interest-only mortgages over 60, Natwest mortgages for people over 50, Legal & General retirement mortgages over 65, Bank of Scotland interest-only mortgages for over 70s and Nationwide Help to Buy for over 60s are 50%, 60% and 70%.
Equity Release Mortgage For People Under 55, flexible age limits

Some of the most common pensioner finance products are TSB mortgages for people 60 plus, HSBC help to buy for over 60s, Post Office pensioner mortgages over 70s, L&G later life mortgages and Nationwide mortgages for over 50-year-olds.
Equity Release Mortgage For People Under 55
Santander Equity Release mortgage lenders

Santander Interest Only Lifetime Mortgage interest only mortgage term

Santander Interest Only Lifetime Mortgage
Santander Mortgage Calculator: How Much Can I Borrow with my anticipated retirement income

Santander Mortgage Calculator How Much Can I Borrow
Interest Only Mortgages For Over 70s for older borrowers

Interest Only Mortgages For Over 70S
Later Life Interest Only Mortgages Reviews mortgage advice

Later Life Interest Only Mortgages Reviews
Santander Later Life Mortgages standard interest-only mortgages

Santander Later Life Mortgages
Lender | Interest Rate |
---|---|
Santander | 4.01% |
HSBC UK | 5.01% |
Lloyds Bank | 4.50% |
Barclays | 4.75% |
NatWest | 5.02% |
Santander Lifetime Mortgages Over 55 flexible lending criteria

Santander Lifetime Mortgages Over 55
Interest Only Mortgages for Over 65 Year Olds and Can Pensioners Get a Mortgage
Lender | Interest Rate |
---|---|
Santander | 4.01% |
HSBC UK | 5.01% |
Lloyds Bank | 4.50% |
Barclays | 4.75% |
NatWest | 5.02% |
Santander Mortgage Over 50 – a debt secured on your home

Santander Mortgages For Over 55s with a flexible age limit

Santander Mortgages For Over 55, unlike many lenders
Loans For Over 60s mortgage options

Loans For Over 60S with your pension statement
Mortgages for Over 65 and Can You Get a Mortgage at 65
Lender | Interest Rate |
---|---|
Santander | 4.01% |
HSBC UK | 5.01% |
Lloyds Bank | 4.50% |
Barclays | 4.75% |
NatWest | 5.02% |
Mortgages For Retired People: upper age limit

Mortgages for the Over 65’s and Over 65s Mortgages
Lender | Interest Rate |
---|---|
Santander | 4.01% |
HSBC UK | 5.01% |
Lloyds Bank | 4.50% |
Barclays | 4.75% |
NatWest | 5.02% |
Customer Reviews
Here are some reviews from customers who have used mortgages designed for over 65s:
“The retirement interest only mortgage from Santander has been highly recommended by my financial advisor. It has helped me manage my monthly payments effectively.” – Susan, 72
“Santander’s lifetime mortgage allowed me to release equity from my home to fund necessary home improvements. The process was straightforward, and the terms were clear.” – George, 68
“I was looking for a way to manage my mortgage balance in retirement, and the retirement interest only mortgage from Santander was the perfect solution.” – Jane, 74
Can I Get A Mortgage At 55 like a traditional mortgage

Can I Get A Mortgage At 55 to pay off other debts?
Can I Get a Mortgage at 65 and Mortgages for Over 65 Year Olds
Lender | Interest Rate |
---|---|
Santander | 4.01% |
HSBC UK | 5.01% |
Lloyds Bank | 4.50% |
Barclays | 4.75% |
NatWest | 5.02% |
Customer Reviews
Here are some reviews from customers who have used mortgages designed for over 65s: “My financial advisor has highly recommended the retirement interest-only mortgage from Santander. It has helped me manage my monthly payments effectively.” – Susan, 72
“Santander’s lifetime mortgage allowed me to release equity from my home to fund necessary home improvements. The process was straightforward, and the terms were clear.” – George, 68
“I was looking for a way to manage my mortgage balance in retirement, and the retirement interest-only mortgage from Santander was the perfect solution.” – Jane, 74
Mortgages For The Over 60S tracker mortgages

Santander Mortgages For Over 65S maximum age limit

Santander Mortgages For Over 65S when you have long term income
Santander Mortgages For People Over 70 right mortgage deal
Tough-to-mortgage property titles include properties with a sinking fund of 7% or more of the property sale price when the property is sold, properties without a kitchen or bathroom, properties with boundary disputes or where planning applications have not been applied for correctly, and properties with asbestos construction or concrete frames.
Santander Mortgages For People Over 70
Santander Over 60 Mortgages with monthly income
Hard-to-mortgage property variants include timber-framed properties built before 1920, timber-framed properties built between 1920 and 1965, privately developed flats, a maximum of four storeys with a lift, privately developed flats in blocks of five storeys or more, and basement or lower ground-floor flats without level access to private or communal garden space.
Santander Pensioner Mortgages with good credit history
Hard-to-mortgage home variants include properties currently undergoing substantial alterations, extensions, or repairs, properties where the owner is set up on a tenancy in everyday basis, leasehold properties (England, Wales, Northern Ireland) subject to a lease length of 160 years, properties where the customer is offering only part of the title as security for the loan, and properties with owned solar panels.
Retirement Interest Only Mortgage joint mortgage
Some of the most common loan-to-value ratios of Virgin Money mortgages over 70s, Direct Line mortgages for over 60s, Leeds Building Society interest-only lifetime mortgages for over 70s, Skipton Building Society interest-only mortgages for over 70s, Newcastle Building Society later life borrowing schemes over 55 and National Counties Building Society later life mortgages for over 60s are 50%, 60% and 70%.
Retirement Interest Only Mortgage
Retirement Mortgage from private banks
Santander Mortgages For Over 65s Twitter mortgage products
Tough-to-mortgage home variants include properties with land in addition to the domestic grounds up to a maximum property size of five acres, where the land is for everyday domestic use, properties with grounds over five acres, agricultural use of the land and any outbuildings, properties with flying or creeping freeholds that comprise over 15% of the total floor area, and properties where Japanese Knotweed is present.
Santander Mortgages For Over 65s Twitter
Santander Personal Loan Rates
Santander also offers special promotions on home improvement loan packages during certain times of the year. For example, in 2025, Santander offered an incredibly low Home Improvement Loan Rate of just 2.9%, making it one of the most competitive rates available at that time.