Recently, we have made the decision to reduce the maximum mortgage age to 85, with there previously being no maximum.

By doing so, we can save you a lot of time when processing new applications, as most new business cases agreed are within this age bracket. Specifying a maximum age will also help manage yours and your clients’ expectations when working with us. For joint applications we will consider both incomes for affordability to age 85.

We will also consider earned income to age 75 and pension income thereafter. To support you and your clients with this change, we wanted to let you know that our popular RIO products are still available as an option for clients over 85. For more information on this, you can request a callback and our team will be in touch.