About

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About Us

At Retirement Mortgages, our primary focus is solely on the provision of mortgages for pensioners.

Retirement Mortgages advice over the phone

To safeguard your health and help you stay safe, our expert retirement mortgage advice is now available in full over the phone. Please get in touch by calling us on:

0800 644 6625

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We Take Care of Everything

We can save you moneytime and make everything easy.

Your dedicated adviser will learn about your situation and needs before narrowing down your mortgage options.[/vc_column_text][/vc_column][vc_column width=”1/2″][vc_column_text]

We Give Expert Advice

We work around your schedule to help you arrange a mortgage that suits your circumstances, no matter how complex.[/vc_column_text][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]You may be already retired or nearing retirement.  Either way, the team at Retirement Mortgages are on hand to provide comprehensive information and guidance.

Personal and impartial service

Based in North-West England , our service covers the whole of the UK.  We deal with each and every client in a totally ethical, straightforward and thoughtful way and we are fully authorised and regulated by the Financial Conduct Authority.

We are able to offer you products from the whole of market as well as specialist products that you may not find elsewhere.  Our service is personal and totally impartial.  We make your search for a retirement mortgage easy, saving you money in the process and cutting out all of the confusing financial jargon and terminology.

A simple, easy-to-understand process

Our process is a simple one and is carried out in three easy steps:

  1. We have a confidential meeting with you to discuss your situation, needs and requirements
  2. We then compare your details against everything the market has to offer
  3. Finally, we present our recommendation from all the leading mortgage companies

We will visit you in the privacy of your own home and you will always find us incredibly helpful and considerate.  There is never any pressure from us for you to make a decision and you will find that the whole of our team have a friendly, patient and accommodating manner.  The information and illustration provided to you are done so on a totally no-obligation basis and we will never give advice that is not in accordance with FCA guidelines.

Your own personal adviser

All of our advisers have completed the appropriate examinations and are fully qualified to advise on all areas of retirement mortgages.  When we allocate an adviser to your case, they will deal with your application from beginning to end, ensuring consistency of procedure so that you will not have to take part in repetitive conversations with a variety of people.

Our friendly team are on hand to help now.  Contact us for an informal chat or book for us to visit you at home and discuss your retirement mortgage in total privacy.

Many of our clients approach us when they are planning ahead to retirement or have already retired and looking to make changes to their household mortgage. Because of our specialism in this sector of the market, we are able to locate the perfect product to suit them.

Extend the borrowing period

Depending upon your personal circumstances, you may be looking to downsize, consolidate and clear debts or switch your current mortgage.  If equity release is not a must-have as far as you are concerned, then taking your mortgage into retirement can help in many ways.  By extending your borrowing period beyond your retirement date, you do not have to rush to clear your mortgage nor worry about your monthly costs soaring.  Some lenders will even prolong the end date of your mortgage up to the age of 85 or longer.  We even have products within our vast portfolio that offer interest only repayment options rather than full repayment.

Clear your existing interest-only mortgage

As far as income is concerned, this does not have to all come in from employed income; it can be made up of a mix of pensions, investments, benefits or even rental income if you have Buy to Let properties.

There has been quite an increase in clients coming to us who have existing mortgages coming to an end and find that their endowment policies are not sufficient to cover the remaining balance or even have no repayment vehicle in place at all.  Once we have examined their circumstances fully and looked at the various mortgage products available, we often find that a Retirement Mortgage or Pensioner Mortgage offers the perfect solution; it offers an end to their worries and full peace of mind that they can enjoy their retirement without mortgage problems.

Re-plan your finances

Retirement Mortgages are particularly popular with clients that are not looking for equity release but purely to re-shuffle and re-plan their finances due to their changing financial situation upon retirement.

Start planning your retirement now enjoy many years of enjoyment and relaxation knowing that your mortgage concerns have been successfully dealt with.

Contact us now on 0800 644 6625 and let us help to put in place the ideal Retirement Mortgage to suit you.[/vc_column_text][/vc_column][/vc_row]