{"id":5407,"date":"2023-05-23T14:26:43","date_gmt":"2023-05-23T13:26:43","guid":{"rendered":"https:\/\/octagoncapital.co.uk\/?page_id=5407"},"modified":"2023-06-07T10:44:46","modified_gmt":"2023-06-07T09:44:46","slug":"mortgages-for-over-60s","status":"publish","type":"page","link":"https:\/\/octagoncapital.co.uk\/mortgages-for-over-60s\/","title":{"rendered":"Mortgages For Over 60s"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;4&#8243; bottom_padding=&#8221;3&#8243; back_color=&#8221;primary-colour&#8221; overlay_color=&#8221;color-jevc&#8221; overlay_alpha=&#8221;35&#8243; equal_height=&#8221;yes&#8221; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; bottom_divider=&#8221;tilt&#8221; uncode_shortcode_id=&#8221;839204&#8243; back_color_type=&#8221;uncode-palette&#8221; overlay_color_type=&#8221;uncode-palette&#8221;][vc_column column_width_percent=&#8221;100&#8243; position_vertical=&#8221;middle&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243;][vc_custom_heading text_color=&#8221;color-xsdn&#8221; heading_semantic=&#8221;h1&#8243; text_size=&#8221;h1&#8243; uncode_shortcode_id=&#8221;149989&#8243; text_color_type=&#8221;uncode-palette&#8221;]<\/p>\n<h1><span style=\"color: #ffffff;\"><b>Mortgages for Over 60s<\/b><\/span><\/h1>\n<p>[\/vc_custom_heading][\/vc_column][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1581004107867{padding-top: 30px !important;padding-right: 30px !important;padding-bottom: 30px !important;padding-left: 30px !important;}&#8221;][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;0&#8243; top_padding=&#8221;0&#8243; bottom_padding=&#8221;0&#8243; back_color=&#8221;color-lxmt&#8221; overlay_alpha=&#8221;50&#8243; equal_height=&#8221;yes&#8221; gutter_size=&#8221;0&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; el_class=&#8221;inverted-device-order&#8221;][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; override_padding=&#8221;yes&#8221; column_padding=&#8221;4&#8243; style=&#8221;light&#8221; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243;][vc_custom_heading uncode_shortcode_id=&#8221;155489&#8243;]If you are looking for a mortgage over the age of 60, we are here to help get you a personalised quote, based on rates from more than 100 UK lenders. Simply enter your details and one of our advisors will be in touch asap.[\/vc_custom_heading][vc_custom_heading heading_semantic=&#8221;p&#8221; text_size=&#8221;h5&#8243; uncode_shortcode_id=&#8221;171358&#8243;]From getting a new mortgage, remortgage or equity release, we have a number of options for you and you family. There are no fees for applying and no obligation! Simply enter your details to get started with Octagon Capital today.[\/vc_custom_heading][vc_row_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;2\/3&#8243;][vc_button button_color=&#8221;accent&#8221; size=&#8221;btn-xl&#8221; radius=&#8221;btn-square&#8221; hover_fx=&#8221;full-colored&#8221; border_width=&#8221;0&#8243; link=&#8221;url:tel%3A0333%20414%201491&#8243;]0333 414 1491[\/vc_button][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column column_width_percent=&#8221;100&#8243; gutter_size=&#8221;3&#8243; override_padding=&#8221;yes&#8221; column_padding=&#8221;4&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/2&#8243; mobile_height=&#8221;340&#8243;][vc_custom_heading subheading=&#8221;*UK Property Only | *Minimum Age 21&#8243; uncode_shortcode_id=&#8221;788436&#8243;]<\/p>\n<div class=\"vc_custom_heading_wrap \">\n<div class=\"heading-text el-text\">\n<p class=\"h2\"><strong><span style=\"color: #602474;\">Apply for a Mortgage Below<\/span><\/strong><\/p>\n<\/div>\n<div class=\"clear\"><\/div>\n<\/div>\n<div id=\"gform_wrapper_3\" class=\"gf_browser_chrome gform_wrapper\">\n<form id=\"gform_3\" action=\"https:\/\/octagoncapital.co.uk\/bridge-finance\/\" enctype=\"multipart\/form-data\" method=\"post\">\n<div class=\"gform_heading\"><\/div>\n<\/form>\n<\/div>\n<p>[\/vc_custom_heading]<script type=\"text\/javascript\">var 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#571577;\">Lenders<\/span><\/h2>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;3\/4&#8243;][vc_gallery el_id=&#8221;gallery-8545456&#8243; type=&#8221;carousel&#8221; medias=&#8221;4236,4219,2739,4235,2735,2732&#8243; carousel_lg=&#8221;5&#8243; carousel_md=&#8221;5&#8243; carousel_sm=&#8221;3&#8243; gutter_size=&#8221;3&#8243; media_items=&#8221;media|nolink|original,icon|md&#8221; carousel_interval=&#8221;3000&#8243; carousel_navspeed=&#8221;400&#8243; carousel_loop=&#8221;yes&#8221; stage_padding=&#8221;0&#8243; single_overlay_opacity=&#8221;50&#8243; single_overlay_anim=&#8221;no&#8221; single_text_anim=&#8221;no&#8221; single_image_anim=&#8221;no&#8221; single_padding=&#8221;2&#8243; single_border=&#8221;yes&#8221; title=&#8221;Clients&#8221;][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;2&#8243; back_color=&#8221;accent&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243;][vc_column width=&#8221;1\/1&#8243;][vc_column_text text_color=&#8221;color-xsdn&#8221; uncode_shortcode_id=&#8221;362296&#8243; text_color_type=&#8221;uncode-palette&#8221;]<\/p>\n<h2><span style=\"color: #ffffff;\">Can I Get A Mortgage In My 60s?\u00a0<\/span><\/h2>\n<p>[\/vc_column_text][vc_column_text text_color=&#8221;color-xsdn&#8221; uncode_shortcode_id=&#8221;133592&#8243; text_color_type=&#8221;uncode-palette&#8221;]If you are looking to get a mortgage into your 60s, it might be a little harder to get your hands on. As many people start thinking about retirement at this stage, the typical correlation to a drop in income can deter lenders. In order to be approved for a mortgage, you will need to show that you can keep up with repayments into retirement.<\/p>\n<p>Reasons you might want a mortgage over the age of 60 are to:<\/p>\n<ul>\n<li aria-level=\"1\">Move house<\/li>\n<li aria-level=\"1\">Buy a new home after separation or divorce<\/li>\n<li aria-level=\"1\">Remortgage<\/li>\n<\/ul>\n<p>The Mortgage Market Review (MMR) released in 2014, put a set of rules in place making it harder for those over 60 to get a mortgage. These rules mean that lenders are required to check if a buyer can afford their mortgage over its term.<\/p>\n<p>However, fear not. Over recent years lenders have become increasingly flexible regarding mortgages for over 60s. Even if you are turned down for a standard mortgage for example, there are alternative borrowing options available to you such as:<\/p>\n<ul>\n<li aria-level=\"1\">Equity release mortgages<\/li>\n<li aria-level=\"1\">Retirement interest only mortgages<\/li>\n<\/ul>\n<p>So yes, you can get a mortgage in your 60s depending on your income, credit score, equity, and the condition and value of your property.[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;5&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;1&#8243; back_color=&#8221;color-xsdn&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;4&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;279348&#8243; back_color_type=&#8221;uncode-palette&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_column_text uncode_shortcode_id=&#8221;183382&#8243;]<\/p>\n<h2><strong>Am I Eligible for a <span style=\"color: #800080;\">Over 60s Mortgage<\/span><span style=\"color: #800080;\">?<\/span><\/strong><\/h2>\n<p>The main eligibility criteria for an over 60s mortgage is that you have proof to afford repayments throughout your retirement. This proof can be evidence of your pension income. Other factors that may impact your chance of acceptance are your age, credit score, and equity.<\/p>\n<p>Typical mortgage age limits are:<\/p>\n<ul>\n<li aria-level=\"1\">Under 65-80 to take out a mortgage<\/li>\n<li aria-level=\"1\">Under 70-95 when the mortgage term ends<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_single_image media=&#8221;4365&#8243; media_width_percent=&#8221;100&#8243;][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;5&#8243; top_padding=&#8221;1&#8243; bottom_padding=&#8221;2&#8243; back_color=&#8221;color-xsdn&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;4&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;108537&#8243; back_color_type=&#8221;uncode-palette&#8221;][vc_column width=&#8221;1\/1&#8243;][vc_column_text uncode_shortcode_id=&#8221;721622&#8243;]<\/p>\n<p style=\"text-align: center;\"><strong><span style=\"color: #800080;\">Speak to Octagon Capital<\/span> on 0333 414 1491 for mortgages at a range of different LTVs.<\/strong><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;2&#8243; back_color=&#8221;color-gyho&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;159506&#8243; back_color_type=&#8221;uncode-palette&#8221;][vc_column width=&#8221;1\/1&#8243;][vc_custom_heading uncode_shortcode_id=&#8221;113386&#8243;]<\/p>\n<h2><b>How Can I Improve My Chances of Getting an <span style=\"color: #800080;\">Over 60s Mortgage?<\/span><\/b><\/h2>\n<p>[\/vc_custom_heading][vc_column_text uncode_shortcode_id=&#8221;213205&#8243;]To improve your chances of getting a mortgage over 60, you will need a decent credit score. Outstanding loans, unreliable repayments, and having little credit history may affect your credit score and consequently make you less likely to receive a mortgage as you won\u2019t be deemed as a dependable borrower.<\/p>\n<p>To qualify for an equity release mortgage you will need:<\/p>\n<ul>\n<li aria-level=\"1\">To own your property outright \u2013 you can use equity release to pay off your mortgage<\/li>\n<li aria-level=\"1\">Enough equity in your home<\/li>\n<li aria-level=\"1\">To maintain your home in good condition<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;2&#8243; back_color=&#8221;color-gyho&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;159506&#8243; back_color_type=&#8221;uncode-palette&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_button button_color=&#8221;accent&#8221; size=&#8221;btn-lg&#8221; wide=&#8221;yes&#8221; hover_fx=&#8221;outlined&#8221; border_width=&#8221;0&#8243; link=&#8221;url:tel%3A03334141491|||&#8221;]Call us on 0333 414 1491[\/vc_button][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_button button_color=&#8221;accent&#8221; size=&#8221;btn-lg&#8221; wide=&#8221;yes&#8221; hover_fx=&#8221;outlined&#8221; border_width=&#8221;0&#8243; link=&#8221;url:mailto%3Asales%40octagoncapital.co.uk|title:Email%20us%20at%20sales%40octagoncapital.co.uk||&#8221;]Email us at sales@octagoncapital.co.uk[\/vc_button][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;2&#8243; back_color=&#8221;color-xsdn&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243;][vc_column width=&#8221;1\/1&#8243;][vc_custom_heading uncode_shortcode_id=&#8221;342780&#8243;]<\/p>\n<h2><b>The Best Mortgage Types for<span style=\"color: #800080;\"> Over 60s<\/span><\/b><\/h2>\n<p>[\/vc_custom_heading][vc_column_text uncode_shortcode_id=&#8221;211779&#8243;]Some mortgages are designed specifically for those over the age of 60. Have a read through to see whether the options of a lifetime mortgage, retirement interest only mortgage, or equity release mortgage would best suit your personal needs and circumstances.[\/vc_column_text][vc_column_text uncode_shortcode_id=&#8221;667971&#8243;]<\/p>\n<h3><b>Lifetime Mortgages<\/b><\/h3>\n<p>A lifetime mortgage is a lump sum that is taken out on your property. The loan and subsequent interest will be paid off by selling your house when you pass away or move into full time residential care. Any remaining money from the sale of the house will go towards those in your will as instructed.<\/p>\n<p>To qualify for a lifetime mortgage you need to own your property and be over the age of 55. Any previous mortgages on the property must be paid off in full before the completion of the plan.<\/p>\n<p>Other factors could further affect your eligibility for a lifetime mortgage. For instance, if you own a leasehold property with less than 75 years on the leasehold, you may be rejected.[\/vc_column_text][vc_column_text uncode_shortcode_id=&#8221;200084&#8243;]<\/p>\n<h3><b>Retirement Interest Only Mortgages<\/b><\/h3>\n<p>A retirement interest only mortgage is a loan that is taken out against your home, starting either before or during your retirement and lasting until you die, are moved into full time care, or sell the property. An RIO is good if you\u2019re looking to downsize or remortgage.<\/p>\n<p>To get a retirement interest only mortgage you will need to already own your home, and have equity in your home. A good benefit of an RIO is that you will only be required to pay back the interest each month, not the loan, so they are often cheaper than lifetime mortgages. However this does mean you\u2019ll have more to repay at the end having not paid monthly repayments.<\/p>\n<p>[\/vc_column_text][vc_column_text uncode_shortcode_id=&#8221;156703&#8243;]<\/p>\n<h3><b>Equity Release Mortgages<\/b><\/h3>\n<p>An equity release mortgage allows you to borrow some of the property\u2019s value without making monthly payments. These loans are good if you\u2019re older and have equity in your home, providing you with some extra money for your retirement without moving to a smaller home.<\/p>\n<p>You can release equity from your home once you are aged 55 and above. You have the choice of taking out a lump sum or smaller monthly amounts with an equity release mortgage, and your debt will be paid off when you die or sell the property. Yet these mortgages often cost more than a standard mortgage and have higher interest rates, so it is worth considering if this is the right option for you.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;1\/4&#8243;][vc_column_text uncode_shortcode_id=&#8221;129759&#8243;][\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_column_text uncode_shortcode_id=&#8221;198363&#8243;]<\/p>\n<p><center><iframe title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/Jpy-M1o-la4\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><center>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/4&#8243;][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; back_color=&#8221;color-lxmt&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243;][vc_column width=&#8221;1\/1&#8243;][vc_column_text uncode_shortcode_id=&#8221;108345&#8243;]<\/center><\/center><\/p>\n<h2><b>Can I Get a <span style=\"color: #800080;\">Buy To Let Mortgage For Over 60s?<\/span><\/b><\/h2>\n<p>For buy-to-let properties, borrowers have often found it difficult to receive funding due to age limits. Much like with a standard mortgage application, lenders offering buy-to-let mortgages for over 60s run the risk of their borrowers not being able to afford repayments throughout their retirement.<\/p>\n<p>Buy-to-let mortgages for over 60s are still an available option though. Age limits for these mortgages vary from lender to lender. For someone aged 65 with an income or pension you should still have a lot of buy-to-let mortgage options. For older borrowers and those over 75 in particular, your buy-to-let mortgage opportunities may be more limited. But fear not, some lenders have no age restrictions at all! It\u2019s all about being matched with the right lender for your individual mortgage needs.[\/vc_column_text][vc_column_text uncode_shortcode_id=&#8221;152974&#8243;]<\/p>\n<h2><b>Where Can I Get a Mortgage If I Am <span style=\"color: #800080;\">Over 60?<\/span><\/b><\/h2>\n<p>Building societies are usually more inclined to lend to borrowers aged 60+ compared to banks. Many building societies do not have an upper age limit for when the mortgage needs to be repaid. Yet some building societies who do have an upper age limit on repayment include:<\/p>\n<ul>\n<li aria-level=\"1\">Chelsea Building Society (repayment by 80)<\/li>\n<li aria-level=\"1\">Leeds Building Society (repayment by 85)<\/li>\n<li aria-level=\"1\">Mansfield Building Society (repayment by 85)<\/li>\n<li aria-level=\"1\">Nationwide Building Society (repayment by 75)<\/li>\n<li aria-level=\"1\">Yorkshire Building Society (repayment by 80)<\/li>\n<\/ul>\n<p>Banks offering mortgages for over 60s include Barclays, Halifax, HSBC, Hodge Bank, Metro Bank, NatWest, and Santander.<\/p>\n<p>If you\u2019d like to opt for an equity release mortgage, The Equity Release Council has a directory of advisers and providers which may be of help.[\/vc_column_text][vc_column_text uncode_shortcode_id=&#8221;200716&#8243;]<\/p>\n<h2 style=\"text-align: left;\"><span style=\"color: #571577;\"><span style=\"color: #000000;\">Why Should I Apply For a<span style=\"color: #800080;\"> Over 60s\u00a0Mortgage<\/span> With <\/span><span style=\"color: #800080;\">Octagon Capital?<\/span><\/span><\/h2>\n<p>We work with over 100 lenders so whatever your financial situation, we have access to the whole market to get you the lender best suited to your situation.<\/p>\n<p>It is fast, free and easy to apply. <span style=\"font-weight: 400;\">Enter your details using our online form and you will hear from a member of our team to get you the best rates the very same day.\u00a0<\/span><\/p>\n<p>To explore your options with a member of our dedicated team, call us on 0333 414 1491 or email <a href=\"mailto:sales@octagoncapital.co.uk\">sales@octagoncapital.co.uk<\/a>.[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; back_color=&#8221;color-lxmt&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243;][vc_column width=&#8221;1\/1&#8243;][vc_empty_space empty_h=&#8221;2&#8243;][vc_column_text uncode_shortcode_id=&#8221;173406&#8243;]<\/p>\n<h2>See Also:<\/h2>\n<p>[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_column_text uncode_shortcode_id=&#8221;212192&#8243;]<\/p>\n<ul>\n<li>\n<h3><a href=\"https:\/\/octagoncapital.co.uk\/low-deposit-mortgages\/\">Low Deposit<\/a><\/h3>\n<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_column_text uncode_shortcode_id=&#8221;449098&#8243;]<\/p>\n<ul>\n<li>\n<h3><a href=\"https:\/\/octagoncapital.co.uk\/70-80-90-ltv-mortgages\/\">70%, 80%, 90% LTV Mortgages<\/a><\/h3>\n<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_column_text uncode_shortcode_id=&#8221;711407&#8243;]<\/p>\n<ul>\n<li>\n<h3><a href=\"https:\/\/octagoncapital.co.uk\/100-ltv-mortgages\/\">100% LTV Mortgage<\/a><\/h3>\n<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;2&#8243; bottom_padding=&#8221;4&#8243; back_color=&#8221;color-gyho&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243;][vc_column width=&#8221;1\/2&#8243;][vc_button button_color=&#8221;accent&#8221; size=&#8221;btn-lg&#8221; wide=&#8221;yes&#8221; hover_fx=&#8221;outlined&#8221; border_width=&#8221;0&#8243; link=&#8221;url:tel%3A03334141491|||&#8221;]Call us on 0333 414 1491[\/vc_button][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_button button_color=&#8221;accent&#8221; size=&#8221;btn-lg&#8221; wide=&#8221;yes&#8221; hover_fx=&#8221;outlined&#8221; border_width=&#8221;0&#8243; link=&#8221;url:mailto%3Asales%40octagoncapital.co.uk|title:Email%20us%20at%20sales%40octagoncapital.co.uk||&#8221;]Email us at sales@octagoncapital.co.uk[\/vc_button][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; back_color=&#8221;color-uydo&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243;][vc_column width=&#8221;1\/1&#8243;][vc_column_text]<\/p>\n<p style=\"text-align: center;\"><strong>THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.<\/strong><\/p>\n<p style=\"text-align: center;\">A maximum fee of 1% of the loan amount is payable \u2013 for example on a mortgage of \u00a3100,000 the fee would be \u00a31,000, the exact fee will be dependent on your circumstances. For Bridging Finance where the net loan amount is \u00a3150,000 or below, the maximum fee charged is \u00a31,995.<\/p>\n<p style=\"text-align: center;\">SPF Short Term Finance is a trading style of SPF Private Clients Limited which is authorised and regulated by the Financial Conduct Authority (FCA).<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row row_height_percent=&#8221;0&#8243; override_padding=&#8221;yes&#8221; h_padding=&#8221;2&#8243; top_padding=&#8221;4&#8243; bottom_padding=&#8221;3&#8243; back_color=&#8221;primary-colour&#8221; overlay_color=&#8221;color-jevc&#8221; overlay_alpha=&#8221;35&#8243; equal_height=&#8221;yes&#8221; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; bottom_divider=&#8221;tilt&#8221; uncode_shortcode_id=&#8221;839204&#8243; back_color_type=&#8221;uncode-palette&#8221; overlay_color_type=&#8221;uncode-palette&#8221;][vc_column column_width_percent=&#8221;100&#8243; position_vertical=&#8221;middle&#8221; [&hellip;]<\/p>\n","protected":false},"author":20,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mortgages for Over 60s | Get a Quote | Octagon Capital<\/title>\n<meta name=\"description\" content=\"Mortgages for over 60s are available through Octagon Capital. Apply for mortages for over 60s today &gt;&gt;\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/octagoncapital.co.uk\/mortgages-for-over-60s\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mortgages for Over 60s | Get a Quote | Octagon Capital\" \/>\n<meta property=\"og:description\" content=\"Mortgages for over 60s are available through Octagon Capital. 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