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Mortgage for Over 60s in York

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Mortgage for Over 60s in York

Explore your options with various mortgages for over 60s.

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Why are you looking to remortgage?

What is your main source of income?

Do you live in the property you're looking to remortgage?

Can you let us know your age group?

For joint applicants, please select the youngest group

What best describes what you are looking to achieve?

Please tell us more about your current situation and what you're looking to achieve

Include as much detail as possible

Which stage are you currently at?

How much deposit do you have available?

What percentage deposit do you have available?

What is your main source of income?

Select as many options as you like

Are you an existing buy to let property owner?

Do you own a residential property?

Can you evidence a minimum income of £25,000 p/a?

Can you tell us more about the deposit you have available?

Please tell us more about your current situation and what you're looking to achieve

Include as much detail as possible

What best describes what you are looking to achieve?

Please tell us what you are looking to achieve

Include as much detail as possible

Do you have at least 30% deposit or equity available?

Please tell us about your current situation and why it's complicated

Include as much detail as possible

Are you a property owner?

With or without a mortgage

Are you currently?

Do you have an offer of a job that is due to start in the next 90 days?

Is all of your income currently from state benefits?

Which type of insurance are you looking to take out?

Select as many options as you like

Please tell us what age bracket you fall into?

Please tell us a little bit more about your situation which would support your application

How can we help?

Please provide as much detail as possible below

What are you looking to achieve?

What type of property are you buying?

Please tell us about your current situation and why it's complicated

Include as much detail as possible

What stage are you currently at?

How much deposit do you have available?

What type of property are you looking to purchase?

Is the house a new build or part of a shared ownership scheme?

How would you describe your credit history?

Would you be able to give us an overview of your credit history?

Please go into as much detail as possible, including type (e.g. CCJ, default, etc.), amount and the date issued if available

What is your main source of income?

Select as many options as you like

What is your total household earned income p/a?

£

Kindly provide your contact details below

By clicking “Submit” you agree for UKMM Limited to contact you to discuss your requirements. Full details on how we process your personal data and your rights as a data subject can be found in our privacy policy.

Kindly provide your contact details below

Once you've provided your contact details below, you'll be able to select a date and time for your free initial mortgage appointment.

By clicking “Schedule Date/Time Online” you agree for UKMM Limited to contact you to discuss your requirements. Full details on how we process your personal data and your rights as a data subject can be found in our privacy policy.

Kindly provide your contact details below

By clicking “Submit” you agree for UKMM Limited to contact you to discuss your requirements. Full details on how we process your personal data and your rights as a data subject can be found in our privacy policy.

How long have you been self employed?

What are you looking to achieve?

Kindly provide your contact details below

Once you've provided your contact details below, you'll be able to select a date and time for your free initial mortgage appointment.

By clicking “Schedule Date/Time Online” you agree for UKMM Limited to contact you to discuss your requirements. Full details on how we process your personal data and your rights as a data subject can be found in our privacy policy.

Congratulations! You qualify for an appointment.

Please fill out your details below and we will show you the Calendly booking widget.

By clicking “Schedule Date/Time Online” you agree for UKMM Limited to contact you to discuss your requirements. Full details on how we process your personal data and your rights as a data subject can be found in our privacy policy.

Congratulations! You qualify for a specialist appointment.

Please fill out your details below and we will show you the Calendly booking widget.

By clicking “Schedule Date/Time Online” you agree for UKMM Limited to contact you to discuss your requirements. Full details on how we process your personal data and your rights as a data subject can be found in our privacy policy.

Congratulations! You qualify for an equity release appointment.

By clicking “Schedule Date/Time Online” you agree for UKMM Limited to contact you to discuss your requirements. Full details on how we process your personal data and your rights as a data subject can be found in our privacy policy.

Congratulations! You qualify for a bridging loan appointment.

By clicking “Schedule Date/Time Online” you agree for UKMM Limited to contact you to discuss your requirements. Full details on how we process your personal data and your rights as a data subject can be found in our privacy policy.

Congratulations! You qualify for a protection review.

Please fill out your details below and we will show you the Calendly booking widget.

By clicking “Schedule Date/Time Online” you agree for UKMM Limited to contact you to discuss your requirements. Full details on how we process your personal data and your rights as a data subject can be found in our privacy policy.

Congratulations! You qualify for a secured loan appointment.

Please fill out your details below and we will show you the Calendly booking widget.

By clicking “Schedule Date/Time Online” you agree for UKMM Limited to contact you to discuss your requirements. Full details on how we process your personal data and your rights as a data subject can be found in our privacy policy.

Sorry, we are unable to help at this moment.

Currently, we are only able to help bridging loan customers who have a 30% deposit or sufficient equity available. In the meantime, feel free to follow us on social media to keep up to date with the latest mortgage market updates for bridging finance hints and tips.

Stay connected for mortgage tips, market updates, and exclusive content!

Sorry, we are unable to help at this moment.

Currently, we are only able to help existing property owners with secured loans. In the meantime, feel free to follow us on social media to keep up to date with the latest mortgage market updates for mortgage explainers and tips.

Stay connected for mortgage tips, market updates, and exclusive content!

Sorry, we are unable to help at this moment.

Unfortunately, based on the information provided, we currently don't have any lenders on our panel who can assist with cases where all income is from state benefits. If your situation changes in the future, please feel free to reach out to us again. In the meantime, feel free to follow us on social media to keep up to date with the latest mortgage market updates for mortgage tips and advice.

Stay connected for mortgage tips, market updates, and exclusive content!

Can I get a mortgage if I'm aged over 60 in York?

If you are looking for a mortgage over 60 in York, rest assured, you have numerous options available. As a mortgage broker based in York, we are well-equipped to handle a diverse range of scenarios:

  • Providing counsel on remortgaging for individuals aged 60 and above.
  • Helping with the purchase of a new property for those in their 60s and over.
  • Offering advice on managing an existing mortgage nearing its conclusion.
  • Proposing equity release schemes specifically designed for those over 60 years old.
  • Support for those dealing with bad credit or seeking to consolidate debts.

Mortgage for Over 60s in York

The Types of Mortgages for Over 60s

If you’re looking for a mortgage over 60 in York, there are six primary options you’ll want to look at:

  1. Repayment Mortgages – This is a typical sort of mortgage that you can get if you meet the necessary requirements and can demonstrate you can afford it. These mortgages can be held well into your 80s.
  2. Interest-Only Mortgages – With these mortgages, you only pay the interest and can keep them until you’re 80 or more. But remember, you’ll need a plan to pay off the outstanding balance when the mortgage term ends.
  3. Hybrid Mortgages – A hybrid mortgage combines elements of repayment and interest-only mortgages, and like the others, you can keep it until you’re over 80.
  4. Retirement Interest-Only Mortgages (RIOs) – These mortgages require a monthly payment and are available from the age of 55. They’re designed to last a lifetime.
  5. Lifetime Mortgages – From the age of 55, you can take out a lifetime mortgage. This type of equity release doesn’t need monthly repayments.
  6. Home Reversion Plans – In this plan, you sign over your home for a sizeable cash lump sum and the promise of a home for life.

Remember, it’s crucial to consider all your options thoroughly and seek mortgage advice in York when choosing a mortgage plan.

Mortgage Advice in York for Clients Over 60

When looking for a mortgage over 60 in York, it’s important to consider all options before settling on equity release, which should typically be your last resort. Many other ways may be better suited to your situation.

Speaking with a mortgage broker in York can be invaluable when you’re navigating the mortgage landscape over 60. Our role is to thoroughly examine all accessible mortgage options for you, with a focus on identifying a solution that saves you money and aligns with your personal and financial situation.

Speak with one of our over 60 mortgage advisors in York and start your process today.

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Important information

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

There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £995.

You should always think carefully before securing a loan against your property.

A lifetime mortgage will reduce the value of your estate and may affect your entitlement to means tested benefits.

Clearing existing mortgage with a lifetime mortgage may result in higher cost of borrowing.

Mortgages for Over 60s in York FAQs

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Reviews Stars4.96 Rating213 Reviews

Our Simple 4-Step Process

Arrange a Free Chat

Arrange a Free Chat

Step 1

The first thing you need to do is arrange your free initial mortgage consultation or phone call with one of our mortgage advisors in York.

During this discussion, we’ll assess your financial status and look into all the different options you might have. It’s also a great chance for you to raise any questions you might be having!

Exploring All Options

Exploring All Options

Step 2

Getting a mortgage over 60 in York can sometimes be tricky. However, it’s our job to guide you in finding the perfect mortgage product that aligns with your requirements.

We will search through thousands of mortgage options to pinpoint the one that’s most appropriate for your unique situation.

Mortgage Application

Mortgage Application

Step 3

Once we identify a mortgage offer that perfectly fits your unique requirements, we can commence with your mortgage application.

Our devoted team of case managers will streamline the process of obtaining a mortgage over 60 in York. They will manage all the paperwork involved in the process, guaranteeing you a hassle-free experience.

Keeping You Protected

Keeping You Protected

Step 4

Once your mortgage application has been sent off, we can also delve into your insurance options.

Our goal is to safeguard your and your family’s future. In unfortunate circumstances such as your death or a serious illness, we strive to secure your family’s financial well-being.

Reasons to Choose Us

Free Initial Appointment in York

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We offer a free initial chat with a mortgage advisor in York to all of our customers. You can schedule this by either making a booking online or giving our team a call to begin your process.

In this chat, we’ll examine your individual and financial situation to pinpoint the most suitable mortgage solution for your circumstances.

Our Service

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As a trusted mortgage broker based in York, we pledge to provide a seamless journey in securing your mortgage.

Our primary focus is to alleviate any worries or stress associated with applying for a mortgage over 60 in York. We take on the responsibility of handling all the necessary paperwork and identifying the most suitable mortgage plan tailored to your individual and financial circumstances.

20+ Years Experience

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Having been in business for over twenty years, we’ve accumulated a wealth of experience in assisting customers obtain a mortgage over 60 in York. Regardless of the intricacy or simplicity of your case, we’re confident in our ability to lend a hand.

We are here to support you during every stage of your journey. We are dedicated to keeping you fully briefed and involved throughout the entire procedure.

7 Days a Week

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We’re here to support you seven days a week, even on most bank holidays. Our aim is to be at your service when it suits your schedule.

No matter if it’s early in the morning, late in the evening or on the night, we’re prepared to answer all your questions regarding obtaining a mortgage over 60 in York.

Malcolm and Amy Davidson - Mortgage Advice in Newcastle

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Types of Mortgages For Over 60s in York

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Yorkmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.

UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.

© Yorkmoneyman 2025.

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