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About
Established in Newport in 1869 to help local people build homes, we now help people across Wales and England buy properties and save for their future.
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Retired or approaching retirement? We offer our award-winning mortgages up to age 85.

If you want to get a mortgage in your 50s, 60s or 70s, we may be able to help.

We’ll consider lending to you if you’re approaching retirement, or even if you’re already retired.

We can offer you the same range of products and rates that we give all our borrowers, whether you’re looking to buy or remortgage, or even invest in a Buy-to-Let or Holiday Let property.

 

  • We lend on properties across England and Wales.
  • All our mortgages can be repaid up to the maximum age of 85 (this applies to the oldest applicant at the end of the mortgage term).
  • We can offer repayment, interest-only or mixed repayment options for all our mortgages, subject to affordability and lending criteria.
  • Our minimum mortgage term is 5 years and our maximum term is 40 years.

 

To be eligible for a mortgage into retirement, you will need to show us that you’ll be able to afford the repayments throughout retirement by providing evidence of your pension income.

As with all our mortgages, acceptance is subject to eligibility, lending criteria and any product specific criteria.

If you’d like to discuss your eligibility in more detail, please make an enquiry – we’re happy to help:

Make an Enquiry

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For more information about how we handle your data, please visit our privacy page.

 

Residential loans available to persons aged 18 or over.

Investment loans available to persons aged 21 or over.

All loans are subject to status and valuation of a suitable property, over which security will be required. All lending will be subject to appraisal of the financial standing of the applicants.

Your home may be repossessed if you do not keep up repayments on your mortgage.

For Buy-to-Lets and Holiday Lets:

IF YOU FAIL TO KEEP UP WITH PAYMENTS ON YOUR MORTGAGE A ‘RECEIVER OF RENT’ MAY BE APPOINTED AND/OR YOUR RENTAL PROPERTY MAY BE REPOSSESSED.