Between 50 and 90+ and finding it impossible to get a mortgage?

Let us put that right.

Being over 50 shouldn’t be a reason to stop you re-mortgaging your home, helping a loved one get on the property ladder or even doing some home improvements.

We serve proud homeowners aged 50+ with good financial track records. Who enjoy welcoming loved ones, travelling, time outdoors and doing the things they want – be it work, play or a bit of both.

Use our free tool to help point you in the right direction and get the best mortgage solution to fit your personal situation.

Mature Mortgages

How It Works:


Tell us what you’re looking for

Answer some quick questions about your situation and what you’re looking for.


Tell us what you want to borrow

We’ll ask you some simple questions about your financial situation to get a better picture.


Get matched with a specialist

Speak to an expert who can offer you guidance and advice to find the best solution for you.

Responsible Lending

Whether you already own a property or are one of the many over 50’s first time buyers, there are many options available to you. Unlike high street lenders, who often have a very negative and narrow view of mature lenders. We work with companies who are happy to offer such services, and don’t consider age to be a factor. Find a lender who focuses solely on the financial relevancy of their clients.

Factors to look at include; long credit history, income from work, pensions and investments.

Mature Mortgages

Taking a fresh approach to affordability and assessing against the interest only payment, not the capital and interest one. This enables companies to allow their customers to borrow considerably more, but in a way that’s both sustainable and responsible.

We believe in partnering with companies who have a holistic and human approach to underwriting.

Mature Mortgages

Do I Qualify?

If you have these three attributes, you will be eligible to apply for a mortgage. Whether it’s a new property, end of term re-mortgage or simply to consolidate exiting debts, you should be living more and worrying less.

  • Anyone over the age of 50 can apply
  • You have no arrears
  • You have at least 25% equity in your property

*Authorised and regulated by the financial conduct authority. All loans are subject to status.

Your home may be repossessed if you don’t keep up with your payments.

Reasons For Getting A Mortgage:

Purchase a property as a first-time buyer

Downsize to a smaller property

Upsize to a bigger or more expensive property

Make some long-awaited home improvements

Invest in a buy-to-let property

Boost finances in retirement

Fund a once in a lifetime holiday or car purchase

Help a loved one onto the property ladder

Unsure Of Where To Start?

Sometimes it all gets a bit too much to find the right solution for you. Different deals, rates and endless paperwork can be very overwhelming. We understand.
Our quick, free and easy tool helps you find the best quote for you, from a trusted company, in seconds.

Your SpotDif account

Get in touch

Drop us a message below and one of our team will get back to you within 24 hours

Subject of enquiry