Lending into retirement

Income assessment tool

When the term of the mortgage extends beyond the borrower's retirement age it is known as ‘lending into retirement’.

Our quick income assessment tool will help you to know what income we will use to assess affordability.

Please note, for Retirement Interest Only mortgages please use the affordability calculator for income assessment.


Please fill in all details. In the case of a joint application, enter the eldest applicant details.

How old is your client?

(Minimum 18 years, Maximum 80 years) Years

What is their expected retirement age, or already retired?

(Maximum retirement age is 70 years)
Before 65
65
66
67
68
69
70

Over what term would they like the mortgage?

(Minimum 5 years, Maximum 40 years or up to your client's 85th birthday, whichever is lower) Years

Please note: