Back to Top

Speak to our UK team free

0808 252 9775


Getting a mortgage is something we believe shouldn't be harder as you get older. That's why we specialise in helping people over 55 to secure a mortgage... even if you are in or approaching retirement.

Whether you're looking to take out a new mortgage, increase your existing borrowing, or simply want to see if you could be paying less than you currently are, we can help!


How much can you borrow?

The maximum loan-to-value (LTV) is 95%; which in simple terms means you can get a mortgage for up to 95% of the value of your home.

This is dependent on affordability, so we'll calculate how much you can borrow based on your LTV and what payments you can make each month.

To get a quick calculation use our free online calculator for instant results.

Get your calculation

Do you qualify?

You can borrow up to age 85 and beyond with Key, as we have access to the whole of the market, including many specialist lenders.

Contact us to find out if you qualify, but as a minimum you will need to be able to
  • Prove your income through employment and/or pension
  • Make payments - either full repayment or interest only
A mortgage could be the perfect choice if you need to borrow now but want to repay it at some point in the future.
Mortgages in retirement are enabling retirees to take control of their finances. Maybe you want to consolidate debts or are coming to the end of your interest-only mortgage deal?

Whatever your motivation, our qualified mortgage advisers are happy to help. Call us today on freephone 0808 252 9775 or request a callback. Alternatively you can email us

Remember a mortgage is secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. You should always think carefully before securing a loan against your property.

Unless you decide to go ahead, our service is completely free of charge, as our advice fee of £895 would only be payable if the mortgage proceeds to completion.

Key promise

Customer satisfaction is at the heart of everything we do; we pride ourselves on being independent, transparent, supportive and straightforward. We're passionate about helping you to make the most of your finances when you’re in or approaching retirement.

0808 252 9775

Monday - Thursday, 9.00am - 6.30pm

Friday, 9.00am - 5.30pm

Saturday - Sunday, Closed - all day