Interest only remortgage arranged for professional employed couple in their 80s.

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Monday February 20, 2023

Remortgage for professional employed couple in their 80s

Did you know that age isn’t necessarily a barrier to securing a mortgage? We recently arranged a remortgage for a professional couple who are in their 80s. The term on their current discounted rate was coming to an end and they needed to find a new mortgage product from an accommodating lender.

Case Profile

Our clients are a married couple, in their 80s, and both still working and earning a salary in a professional environment.

They approached as they needed help to remortgage their home with their current interest-only mortgage nearing the end of its term. They were challenged to find a lender happy to accept employed income beyond age 70.

The clients had equity of 40% in the property and ideally wanted to find a lender who could offer them like-for-like terms using either their employed income or the value of their assets, or both, to secure the mortgage at the same loan to value.


Using  our expertise and close relationships with a wide range of lenders in this field, we managed to secure the desired mortgage with a competitive discounted rate for a five-year term on an interest-only basis. The lender was pleased to accept the clients’ employed income and an undrawn SIPP fund as proof of income for the repayments.

Our clients were delighted. They had secured a like-for-like mortgage with a lender who wasn’t deterred by their age or the fact that they wished to use both assets and employed income to meet the repayments.

If you’re looking to remortgage and you don’t meet the typical ‘vanilla’ criteria required by most traditional lenders, then give our team of specialist advisers a call on 020 7965 7271 to see how we can help.

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