At Mortgage Call we are later life lending specialists and enjoy nothing more than helping people enjoy more of what they want to in their retirement

There are many options available to you in later life if you require a mortgage

First Time Buyer Mortgages

Self-Employed Mortgages

CIS Contractor Mortgages



Older Borrower




Retirement Interest Only


Older Borrowers

Life Time Mortgages

Retirement Interest Only


Older Borrowers

Many Building Societies are able to offer your a mortgage much later in life than other banks. If your income is enough to cover the mortgage repayments then there will be a mortgage to suit you.

These mortgages can be used to help you repay an interest only mortgage, borrow more money to improve your home, fund purchases or to repay other debts.

You can use these mortgages to purchase property too.

The amount you are able to borrow is based on your affordability- the difference between what you earn and your monthly outgoings.

Lifetime Mortgages

These are mortgages that are designed to be for the rest of your life and often come with lifetime fixed rates. Money is released tax free. They offer optional payments to reduce or maintain the balance

The amount you can borrow is based on your age and the value of your home rather than your ability to make the payments. As there are optional payments rather than compulsory, your home is never at risk if you are unable or choose not to make payments. You always retain full ownership of the property and can protect an amount of the property to leave as an inheritance.

Retirement Mortgages

These are relatively new mortgages offered by some banks and building societies. They are designed to enable you to continue to have an interest only mortgage for the rest of your lives.

They are based on ability to pay the interest element of the loan and If you are a couple the lenders will ascertain what pension provision will pass between you. As an Interest only mortgage, the amount borrowed always remains the same. If for any reason you become unable to make the monthly payments your home will be at risk of repossession.​

| Later Life Lending Solutions

At Mortgage Call we have many years of experience in helping later life lending customers get the mortgages they deserve.

You certainly can get a mortgage as an older borrower, you just need to make sure you get advice and you're going with the right lenders. Contrary to popular belief you are able to get a mortgage should you need one well into your 90s


Later Life Lending Specialist


Many Years Industry Experience


130+ Years Combined Experience


Later Life Lending Specialist


Whole of Market Access


Whole of Market Access

Giving you the time you need to explore all of the options available to you and the differences between each type of mortgage.

Obtain The Mortgage You Deserve

To find out more get in touch for a free no obligation discussion based on your specific circumstances

Lisa ,

I would just like to say a big thank you . You have been so friendly and helpful throughout the whole process. At all times you kept me well informed and you made me feel confident enough to ask any question. You were a brilliant advocate, who I knew was working in my best interest. I strongly believe it was your intervention that enabled the process to be completed so quickly and smoothly. Thank you again.

Judith Tingley

I recently did business with Susan of Mortgage Call, who was incredibly helpful throughout the mortgage application process and put in loads of extra work to make sure I understood the process as well as pitfalls and things to watch out for. She was available all hours (which I made clear was far beyond my expectation!) and appeared not only attentive but invested in my application. She was more helpful than my solicitors by a long stretch.

What was particularly telling was when we disagreed on a course of action which I had chosen she was very professional and respected my choice.

I'd not hesitate to recommend Susan to anyone applying for a mortgage, and with the same enthusiasm in which she was recommended to me.

Tom Roebuck

"Professional and friendly, great service. Thank you for your help

with my mortgage during a very challenging year."

Gemma Rahman

"As first time buyers, finding offers was incredibly tough. Eric went

out to individual lenders and created a bespoke offering tailored

to us. The communication was crystal clear and he was always

available. Impeccable service!"

Adam West

Let Us Find The Right Lenders For You

Building Your Brighter Future

Building Your Brighter Future

We act as a bridge between you and the mortgage lenders that can help them, saving you the time and effort of speaking to multiple companies some of whom can only offer specific products.

Trusted Advice

Trusted Advice

Clear and concise advice

around the best options for your needs.

Clear and concise advice

exploring the best options for your needs.

Clear Communication

Clear Communication

Helping customers cut through the jargon so that they understand things their way


Helping customers cut through the noise to understand things their way.

Save Money

Save Money

Average lifetime customers saves over £5,000 through Richard's advice and services.

Taking a mortgage later in life can be costly if it isn't right.

Bespoke Rates

Bespoke Rates

At Mortgage Call we have access to bespoke and exclusive interest rates saving you money.

Access to exclusive interest rates

There is a range of options available to you in later life if you require a mortgage, whatever the reason.

The money is always released tax-free and can be used for any legal purpose.

Common uses are to repay an interest only mortgage, undertaking home improvements, helping family or funding a large purchase such as cars, boats and property. It is even possible to use some of these mortgages to provide a regular monthly income to help fund a better lifestyle or pay for someone to care for you or your loved ones

  • Industry-leading advice
  • Clear & straightforward recommendations
  • Fast & efficient service


Not quite sure which option would be best for you? Arrange a call with us to fully explore the different types of mortgages available to you.

Arrange a Call With Our Team

Or Get Directly In Touch

10A Denholme Gate Rd, Hipperholme, Halifax HX3 8JQ, UK

01422 20 60 90


Mortgage Call are a professional mortgage broker, delivering industry-leading mortgages to first-time buyers, self-employed and later life lending customers for over 25 years.


01422 20 60 90

10a Denholme Gate Road, Hipperholme, Halifax,


The guidance and/or advice contained within this website are subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Terms and Conditions: Please read our full privacy statement before you proceed.

Mortgage Call is a trading style of Eric Armstrong who is an Appointed Representative of Mortgage Next Network Limited, which is authorised and regulated by the Financial Conduct Authority under number 300866 in respect of mortgage, insurance and consumer credit mediation activities only.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Please note that some forms of BTL mortgages are not regulated by the FCA


10a Denholme Gate Road




t: 01422 206090


We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service.

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*There may be a fee for the advice given, the exact amount will depend upon your circumstances. If the mortgage is under £60,000, a fee will be payable and will not exceed £295. For all Equity Release/Lifetime mortgages, a fee will be payable of £795. All fees are payable on completion, please ask for further information on the fee you could pay.

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