Later Life Lending
Introductions to specialist later life lending advisers.
Independent introduction serviceAccess to specialist lendersNo obligation
Get Indicative TermsGet indicative terms - free, no obligation
Doulton Money Limited · No obligation enquiry
What happens next
- Fill in the form (2 minutes).
- We'll match you with the right specialist for your situation.
- A specialist independent broker will contact you to discuss your options.
Every later life option, explained
We cover the full spectrum - standard retirement mortgages, Retirement Interest Only (RIO), lifetime mortgages, equity release, and home reversion plans. Our specialists have access to a wide panel of later life lenders. As an independent introduction service, we introduce you to specialist advisers who can recommend the right solution for your circumstances.
The options available
Retirement Mortgages
Standard residential mortgages with pension, annuity, drawdown, or investment income accepted. Terms extending into your 70s and 80s. Specialist lenders who understand retirement income structures - not just salary.
Retirement Interest Only (RIO)
Pay the interest monthly - the capital is repaid when you sell your home, move into care, or pass away. No fixed term. No repayment vehicle required. The primary later life mortgage product for borrowers who can service interest payments.
Lifetime Mortgage
A loan secured against your home with no monthly payments required. Interest rolls up and is repaid alongside the capital from the eventual sale of your property. The most flexible later life option for those without regular income.
Equity Release
Access the wealth tied up in your home without moving. Lump sum, drawdown, or a combination. Tax-free cash for any purpose - home improvements, gifting to family, clearing debts, or supplementing retirement income.
Home Reversion Plan
Sell a share of your property to a provider in exchange for a tax-free lump sum or regular income, while retaining the right to live in your home for life. An alternative to a lifetime mortgage for specific circumstances.
How It Works
Free enquiry
Tell us briefly what you are looking for and what you want the money for. No obligation. No pressure. A specialist will review your circumstances in full.
Specialist introduction
We introduce you to equity release specialists who are qualified to advise you, or to specialists in retirement interest-only mortgages and other later life lending, depending on what you need.
Specialist advice
The specialist we introduce you to can compare options across lenders and recommend the right solution for your circumstances. Equity release specialists typically work with Equity Release Council member providers.
Through to completion
The specialist you are introduced to will handle the application, lender correspondence, valuation, and completion, working alongside your solicitor for equity release.
Speak to our later life lending specialists
Call 0204 6211776 · Introductions to later life lending specialists
Frequently asked questions
Am I too old to get a mortgage?
Almost certainly not. Specialist later life lenders including LiveMore Capital, Hodge, and Family Building Society lend to applicants with no upper age limit, assessing each case on its merits. Retirement Interest Only mortgages have no fixed end date. Lifetime mortgages are available from age 55 regardless of age. The belief that you cannot get a mortgage after 65 or 70 is outdated - the product landscape has changed significantly since 2018.
What is the difference between a RIO mortgage and equity release?
A RIO mortgage requires you to make monthly interest payments - the capital balance stays constant and is repaid from the property sale when you die or move into care. Equity release (lifetime mortgage) typically requires no monthly payments - interest rolls up and compounds. RIO may suit you if you have reliable income and want to preserve more equity. Equity release may suit you if monthly payments are not affordable or desirable. A specialist adviser can explain which is right for your circumstances.
Can I switch from my current interest-only mortgage to a RIO?
Yes - converting a standard interest-only mortgage (particularly one approaching its term end) to a RIO is one of the most common later life mortgage transactions. The RIO has no end date, which removes the repayment pressure entirely. We introduce clients to specialists who arrange these transitions from existing lenders to RIO specialists including LiveMore, Hodge, and Legal & General.
What income do lenders accept for later life mortgages?
Specialist later life lenders accept State Pension, defined benefit (final salary) pensions, defined contribution pensions in drawdown, annuity income, rental income from investment properties, investment portfolio drawdown, and SIPP income. LiveMore Capital in particular accepts the widest range of income types. The specialist we introduce you to can identify which lenders best accommodate your specific income structure.
Is the introduction service free?
Our introduction service is free and carries no obligation. The specialist adviser you are introduced to may charge an advice fee, particularly for equity release - they will confirm any fees clearly before you proceed.