Mortgage advice to get the most out of life.

Life doesn't stop at 50. It's just getting going.

Whether you're planning for retirement, moving home, reducing your monthly payments, helping your children onto the property ladder or making the most of your home's equity, we'll help you bounce towards your next big adventure with the right mortgage advice.

How we help:

•

Clear advice tailored to your plans for the future

•

Guidance on borrowing into retirement

•

Access to competitive rates from across the whole market

•

Lenders who understand pension and later-life income

•

A dedicated adviser from start to finish

All the right mortgage moves.

Don't worry, we'll lead. Finding the right later-life mortgage can feel like learning a new dance, but we'll make it effortless.

We'll match you with the right lender, explain your options, handle the paperwork and guide you through every step until everything comes together perfectly.

Best of all? Our advice is free.

How we get you mortgage-ready:

•

Review your income, pensions and other assets

•

Explain how different lenders assess later-life borrowing

•

Identify potential issues before you apply

•

Match you with lenders that fit your circumstances

•

Help prepare the paperwork lenders want to see

The mortgage-ready process

Whatever you dream of,
we’ll help make it happen.

Your mortgage should support your plans for the future.

We'll take the time to understand what's important to you and recommend a mortgage that helps you achieve it.

Reduce your monthly payments

Free up more of your income for the things that matter most.

Improve your home

Borrow to renovate, extend or adapt your home for the years ahead.

Plan for retirement

Find a mortgage that works with your retirement plans and future income.

Support your family

Help your children take their first steps onto the property ladder.

Move to your forever home

Make your next move with confidence and the right mortgage in place.

Downsize and release equity

Unlock value from your home while reducing your monthly outgoings.

Over 50's mortgage FAQs.

Can I get a mortgage if I'm over 50?

Yes. Many lenders offer mortgages to borrowers in their 50s and beyond. The key is finding a lender whose criteria match your circumstances, and that's where expert advice can make all the difference.

Is there a maximum age for getting a mortgage?

There isn't a single age limit. Every lender has different rules around the age you'll be when your mortgage starts or ends. We'll help you find lenders that are comfortable lending later in life.

Can I get a mortgage after I retire?

Yes. Many lenders will consider pension income, investments and other retirement income. We'll explain your options and help you find a lender that's right for your circumstances.

Can I use my pension income to get a mortgage?

Yes. Many lenders accept pension income, although each assesses it differently. We'll help you understand how your income is viewed and match you with suitable lenders.

Can I remortgage in my 50s?

Absolutely. Many people remortgage in their 50s to secure a better rate, reduce monthly payments, release equity or prepare for retirement.

How much can I borrow after 50?

It depends on your income, outgoings, retirement plans and the lender you choose. We'll assess your circumstances and give you a clear idea of what you could borrow before you apply.

What if I plan to retire before my mortgage ends?

Many lenders will want to understand how you'll continue making repayments after retirement. We'll help you present your retirement income and recommend lenders that support later-life borrowing.

Can I release equity without taking out equity release?

In many cases, yes. Depending on your circumstances, a standard remortgage may allow you to access some of the equity in your home. We'll explain all your options so you can make an informed decision.

Do I need a specialist over-50s mortgage?

Not necessarily. Many people over 50 qualify for standard residential mortgages. The important thing is choosing the right lender and mortgage for your circumstances.

Why should I use a mortgage adviser?

Later-life borrowing can be more complex, with lenders taking different approaches to age, retirement and income. We'll search the whole market, explain your options in plain English and recommend the mortgage that's right for your future—not just today's interest rate.

Contact Moat

Hop on a call.

Call us for expert, free mortgage advice today.

01279 792 756

Or email us

Authorised and regulated by the Financial Conduct Authority.

Contact Moat

Hop on a call.

Call us for expert, free mortgage advice today.

01279 792 756

Or email us

Authorised and regulated by the Financial Conduct Authority.

Contact Moat

Hop on a call.

Call us for expert, free mortgage advice today.

01279 792 756

Or email us

Authorised and regulated by the Financial Conduct Authority.

Why choose

to find your mortgage?

Set up a remortgage reminder

Remortgaging needn’t be a mammoth task

Find Out More

Totally independent.

We work for you not the mortgage lenders. So, we look across the whole market to find you the best mortgage to suit your needs perfectly.

No hassle.

We’ll brief you on the information you need to provide and then we’ll handle all the paperwork. All you need to do is check it and sign it off.

Fully qualified. Fully regulated.

All our advisers are fully qualified and fully regulated by the Financial Conduct Authority, so our advice is safe as houses.

Personal service. Digitally enabled.

A dedicated broker will personally guide you through the process via video calls at times that work for you.

No advice fee.

That’s right, we charge you absolutely nothing. The lender or provider pays us, not you.

Call: 01279 792 756

Why choose

to find your mortgage?

Set up a remortgage reminder

Remortgaging needn’t be a mammoth task

Find Out More

Totally independent.

We work for you not the mortgage lenders. So, we look across the whole market to find you the best mortgage to suit your needs perfectly.

No hassle.

We’ll brief you on the information you need to provide and then we’ll handle all the paperwork. All you need to do is check it and sign it off.

Fully qualified. Fully regulated.

All our advisers are fully qualified and fully regulated by the Financial Conduct Authority, so our advice is safe as houses.

Personal service. Digitally enabled.

A dedicated broker will personally guide you through the process via video calls at times that work for you.

No advice fee.

That’s right, we charge you absolutely nothing. The lender or provider pays us, not you.

Call: 01279 792 756

Why choose

to find your mortgage?

Set up a remortgage reminder

Remortgaging needn’t be a mammoth task

Find Out More

Totally independent.

We work for you not the mortgage lenders. So, we look across the whole market to find you the best mortgage to suit your needs perfectly.

No hassle.

We’ll brief you on the information you need to provide and then we’ll handle all the paperwork. All you need to do is check it and sign it off.

Fully qualified. Fully regulated.

All our advisers are fully qualified and fully regulated by the Financial Conduct Authority, so our advice is safe as houses.

Personal service. Digitally enabled.

A dedicated broker will personally guide you through the process via video calls at times that work for you.

No advice fee.

That’s right, we charge you absolutely nothing. The lender or provider pays us, not you.

Call: 01279 792 756

Why choose

to find your mortgage?

Set up a remortgage reminder

Remortgaging needn’t be a mammoth task

Find Out More

Totally independent.

We work for you not the mortgage lenders. So, we look across the whole market to find you the best mortgage to suit your needs perfectly.

No hassle.

We’ll brief you on the information you need to provide and then we’ll handle all the paperwork. All you need to do is check it and sign it off.

Fully qualified. Fully regulated.

All our advisers are fully qualified and fully regulated by the Financial Conduct Authority, so our advice is safe as houses.

Personal service. Digitally enabled.

A dedicated broker will personally guide you through the process via video calls at times that work for you.

No advice fee.

That’s right, we charge you absolutely nothing. The lender or provider pays us, not you.

Call: 01279 792 756

The Moat Approach

Get ready to pounce

Discover how we get you mortgage-ready, so you can secure the best mortgage deal, exactly when you need it.

Our process

The Moat Approach

Get ready to pounce

Discover how we get you mortgage-ready, so you can secure the best mortgage deal, exactly when you need it.

Our process

The Moat Approach

Get ready to pounce

Discover how we get you mortgage-ready, so you can secure the best mortgage deal, exactly when you need it.

Our process

The right advice for free

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

Moat Mortgages is a trading name of Hazelwood Financial Services, which is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA Register number is 303934. Registered Address: 12 Hamlet Hill, Roydon, Essex, CM19 5LA

Complaints Procedure & Your Rights

The right advice for free