Hodge Rates - November 2026
| Product | LTV | Rate from | Fix period |
|---|---|---|---|
| Retirement Interest-Only | Up to 60% | 4.79% fixed | 2 year |
| Retirement Interest-Only | Up to 60% | 4.99% fixed | 5 year |
| Retirement Interest-Only | Up to 70% | 5.39% fixed | 2 year |
| Capital & Interest (55+) | Up to 65% | 4.99% fixed | 2 or 5 year |
| Interest-Only (55+) | Up to 65% | 4.89% fixed | 2 or 5 year |
Rates shown are indicative only, correct as of November 2026, and subject to change without notice. Rates available are subject to individual circumstances, credit assessment, property type and lender criteria.
Hodge Lending Criteria
Age & term
- Minimum age: 50 at application
- No maximum age at application
- Minimum loan term: 5 years
Income
- State pension and private pension income
- Pension drawdown - sustainable drawdown level assessed
- Rental income from investment properties
- Investment and dividend income
- Part-time employment income considered
Property
- Minimum property value: £100,000
- Standard and non-standard construction considered
- Leasehold accepted with minimum unexpired lease term
- England, Wales and mainland Scotland
Why Hodge for Later Life Borrowers?
Hodge's underwriting team is specifically trained in later life cases. Where a standard lender might decline an application because of age or the nature of pension income, Hodge's approach is to understand the whole picture.