Life doesn't stop because you've
retired. It starts.

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. 


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.

Friendly people, great rates! We were looking for a RIO mortgage after our existing lender wouldn't extend our term after my early retirement. On our initial call with one of your Mortgage Advisers, we failed the RIO affordability checks but the adviser was quick to suggest a standard mortgage at a great rate. Kept us informed by email during the application process and helped answer any questions. We completed the remortgage in about six weeks and are now very happy Newbury customers. Thanks to the team for making this a very pleasant experience.

Ced Bufton - Smart Money People review

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 residental home subject to product terms

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

Retirement Interest-Only mortgage

For full products details please click to find out more.


For further information on mortgage appointments see our making a mortgage appointment page for further details. 

Appointments can be made during branch operating hours including Saturday mornings with our qualified mortgage advisers and can be undertaken by telephone, videocall or in one of our branches. 

Book a mortgage appointment online now

Appointments are available by video call, phone and in branch.

Book now
Guide to later life lending

Consumer information guide from the Building Societies Association. 

How much can I borrow?

Get a good idea of how much we may be able to lend you in a few minutes. 

Find out

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