Mortgages for Over 75s
At 75, the mainstream mortgage market has largely closed - but specialist later life lenders remain fully accessible.
About Mortgages for Over 75s
LiveMore Capital lends to any age. Hodge Bank lends to age 88 at application. Retirement Interest Only mortgages are available with no upper age limit. Equity release LTV reaches 40-48% at 75, providing more capital than at younger ages. Our specialist team handles 75+ applications every week.
The options we compare
RIO at 75
Retirement Interest Only mortgages are available to borrowers at 75 from specialist lenders. LiveMore Capital has no upper age limit. Hodge lends to 88 at application. Monthly interest payments serviced from pension income, State Pension, or drawdown.
LiveMore at 75
LiveMore Capital is the primary specialist lender at 75+. No maximum age, pension income accepted, interest-only and RIO available, and the widest income assessment in the market. Our team arranges LiveMore mortgages for 75+ borrowers regularly.
Equity Release at 75
At 75, equity release LTV is approximately 40-48% of property value. On a £250,000 property, £100,000-£120,000+ is typically available. Enhanced plans for health conditions release more. No monthly payments required.
Hodge Bank at 75
Hodge Bank lends to age 88 at application for RIO and 50+ mortgages. Up to 75% LTV on RIO at 75. Accepts pre and post-retirement income. One of the most experienced later life lenders in the UK.
Interest-Only Mortgage Expiry at 75
If an interest-only mortgage is maturing at 75, specialist lenders can still provide a solution - RIO from LiveMore or Hodge, or equity release from Aviva, Legal & General, or Just. We act quickly for clients facing a deadline.
Suffolk Building Society at 75
Suffolk Building Society has no maximum age at end of term - one of the most flexible lenders for older borrowers. Accepts a range of income types including pension income and rental.
How We Help
Urgent and non-urgent cases
At 75, some clients are facing an urgent maturing mortgage deadline. We prioritise these. Others are remortgaging or purchasing without time pressure. Both are handled by the same specialist team.
Lender identification
LiveMore Capital, Hodge Bank, Suffolk Building Society, Family Building Society, and legal & General are the primary lenders at 75+. We identify which offers the best terms for your income and situation.
Application
We manage the full application including pension income evidence, property valuation, and any specialist documentation requirements.
Completion
We manage through to completion - typically 8-12 weeks for a remortgage, 4-8 weeks for equity release.
Speak to our later life lending specialists
Call 0204 6211776 · Whole-of-market advice across all later life products
Frequently asked questions
Are there lenders who will give a mortgage at 75?
Yes - LiveMore Capital (no maximum age), Hodge Bank (to 88 at application), Suffolk Building Society (no maximum end of term age), Family Building Society (to 90 at application), and Bath Building Society are all accessible at 75. Equity release lenders (Aviva, Legal & General, Just, Canada Life, More2Life) also all lend at 75 with no income requirement.
Can I get a RIO mortgage at 75?
Yes - Retirement Interest Only mortgages have no upper age limit for most specialist lenders. Monthly interest payments must be affordable from pension income. LiveMore Capital, Hodge Bank, and Legal & General Home Finance all offer RIO to 75+ borrowers.
How much equity release can I get at 75?
At 75, equity release LTV is typically 40-48% depending on the lender. On a £300,000 property, this means £120,000-£144,000 typically available on a standard plan. Enhanced plans for qualifying health conditions release more. We obtain live illustrations from all relevant lenders.
I am 75 and my bank has told me they can't extend my mortgage. What do I do?
Contact us. This is one of the most common enquiries we receive. Specialist later life lenders regularly take on remortgage cases where mainstream lenders have declined to extend. LiveMore Capital and Hodge Bank are the primary routes in this situation. Do not accept a forced sale as the only option.
Can I get a buy-to-let mortgage at 75?
Yes - specialist buy-to-let lenders including some specialist later life lenders consider BTL mortgages at 75. The assessment focuses on rental coverage rather than personal income in most cases. We assess BTL applications at 75 as part of our specialist later life service.