Life doesn't stop because you've retired. 

We lend up to the age of 90 across our entire standard mortgage range.


Getting a mortgage in retirement doesn't have to be difficult.

At Newbury Building Society, we understand there are many different reasons why you want a mortgage which takes you into your 60s, 70s and beyond. For example, you may want to free up equity to fund a holiday home or give your children and grandchildren a helping hand on the property ladder. 

Mortgage lending up to the age of 90

We believe you shouldn't be limited when applying for a mortgage and that's why we lend up to the age of  90 across our entire standard mortgage range. This means that for new mortgage applications across our residential products, the term may be allowed to run until the borrower's 90th birthday. The maximum age of any applicant at the start of the mortgage is 80 years

I obtained a mortgage through Newbury at the age of 77, and within the last month have repaid that mortgage. During the time I have been with Newbury, they have been helpful, professional and understanding. I have spoken to some lovely helpful people near the time I was repaying the mortgage and have only praise for them. They make you feel that its special and personal to you.

Smart Money People review, December 2023

Retirement Interest Only (RIO) mortgage

Our Retirement Interest-Only mortgage is designed to support borrowers in later life who do not want to downsize their current property and wish to remain in their home. 

  • We lend to those aged 60 and above who are retired and in receipt of their pension or other ongoing income

  • The RIO mortgage is termless interest-only so you have it for as long as you need it

  • We lend to those who are purchasing or remortgaging their residential home subject to product terms

  • Existing borrowers are able to transfer onto the product to borrow additional funds

  • The maximum age of any applicant at the start of the mortgage is 80 years

Retirement Interest-Only mortgage

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Guide to later life lending

Consumer information guide from the Building Societies Association. 

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