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1.98% APR Santander Mortgages For Over 65s No Advisor Fees

Santander Mortgages For Over 65s

Example mortgage for a person over 65 years old

Property value:  £175000

The amount borrowed:  £113750

Monthly payment:  £187.69

Interest rate:  1.98% APR

Loan to value: 65%

For many people, Santander Mortgages For Over 65s can be a very low overall cost.

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Lifetime Mortgages

Santander
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.

Common loan to value percentage ratios of TSB over 60 lifetime mortgages 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%.

Common loan to value ratios of Liverpool Victoria mortgages over 70s, 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%.

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%.

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 common 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.

Hard to mortgage property variants include timber-framed properties built before 1920, timber-framed properties built between 1920 and 1965, privately developed flats, maximum 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.

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 normal domestic use, properties with grounds in excess of five acres, agricultural use of the land and any outbuildings, properties with flying or creeping freeholds which comprise over 15% of the total floor area and properties where Japanese Knotweed is present.

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 where there are boundary disputes or where planning applications have not been applied for correctly, asbestos construction and concrete frame.

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