Can I Get a Mortgage After 80?

Mortgage options can still exist after age 80, although the number of lenders and products is smaller and criteria become more important.

Age limits differ

There is no single maximum mortgage age used by every lender. Some lenders impose a maximum age when the mortgage starts or ends, while specialist later-life lenders can use different rules.

Income-based options

Where retirement income is sufficient, a RIO or another mortgage designed for later-life borrowers may be possible. Affordability, credit history and property criteria will apply.

Lifetime mortgages

For eligible homeowners, lifetime mortgages can provide borrowing without a conventional mortgage term and many plans do not require monthly repayments. Because interest can roll up, the amount owed can increase significantly over time.

Property value and loan-to-value

At older ages lifetime mortgage providers may permit higher maximum loan-to-values than for younger applicants, but borrowing the maximum is not necessarily appropriate. The amount needed and long-term effect should be considered first.

Compare later-life lending routes.

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