Can I Get a Mortgage After 70?

Yes, being over 70 does not automatically prevent you getting a mortgage. The available routes depend on income, property value, loan size, credit profile and whether you want to make monthly payments.

Conventional mortgages

Some lenders allow repayment or interest-only mortgages well into retirement. They will normally assess sustainable retirement income and may have maximum ages at application or at the end of the mortgage term.

Retirement Interest Only

A RIO mortgage may suit borrowers who can afford the interest payment but do not want a conventional fixed capital repayment date. Read about RIO mortgages.

Lifetime mortgages

A lifetime mortgage may be another option where reducing or removing mandatory monthly payments is important. Interest may roll up, so the long-term cost and effect on the estate need careful consideration.

Which income can count?

Lenders can consider sources such as state, occupational and private pensions and, depending on criteria, other sustainable income. Each lender calculates affordability differently.

Compare later-life mortgage options.

Reviewed by David Farrell. Last reviewed: 3rd October 2026.