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Retirement Mortgage Broker Manchester

Tailored Mortgage Solutions for Your Retirement

Planning for retirement is a big step, and a retirement mortgage could be the solution that helps you achieve financial stability in your later years. Designed specifically for those aged 55 and over, retirement mortgages offer flexible options, allowing you to release equity from your home or secure the property that best fits your lifestyle. Our expert advisors are here to guide you through the process, ensuring you find the right mortgage tailored to your needs—all with 100% fee-free service.

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What is a Retirement Mortgage?

A retirement mortgage is designed for individuals over 55 who want to access the equity in their property or secure financing for a new home. Unlike traditional mortgages, retirement mortgages offer greater flexibility, allowing you to manage payments according to your retirement financial situation. Whether you’re looking to stay in your current home, downsize, or move closer to family, a retirement mortgage can provide the financial freedom you need without having to sell your home or dip into savings.

You retain full ownership of your property, and repayments can often be structured to suit your needs through regular or deferring payments until the property is sold or you move into long-term care. Our expert advisors will help you explore your options, ensuring that your retirement mortgage is tailored to your individual circumstances and goals.


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Mortgage Options When Retired

As you enter retirement, several mortgage options are available, whether you’re looking to access equity, pay off an interest-only mortgage, or move to a new home. Retirement mortgages can include interest-only, equity release, or traditional repayment options, each tailored to fit your financial situation.

Choosing the right product involves considering your income, property plans, and whether the mortgage is in one or joint names. Our expert advisors can guide you through the best options, ensuring you find the right solution to suit your retirement goals.

Contact us today. 8am – 10pm
7 days a week

0161 710 2587

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Can I Get a Mortgage Once Retired?

Yes, getting a mortgage once retired is possible and can be a smart financial move, depending on your circumstances. Many retirees seek mortgage solutions to release equity from their homes, pay off existing interest-only mortgages, manage debts, or buy a new property that better suits their lifestyle in retirement.

Securing a retirement mortgage works similarly to traditional mortgages, with lenders considering factors like your age, your partner’s age (if applicable), the purpose of the mortgage, your income—including pensions—and your overall financial situation, including expenses and any existing debts. Retirement mortgages also offer options like interest-only payments, allowing you to keep monthly costs low while securing your desired home.

Our later-life mortgage advisors are experts in guiding you through these decisions, ensuring that you understand all aspects of each product, from repayment structures to potential risks. We also encourage involving your family in these discussions, as their input can be valuable when making decisions that impact your future. Including them early in the process can provide additional peace of mind for everyone involved.

  • Aaron was fantastic. We had a few highs and lows in our house buying process and he guided us through the issues expertly and was always on hand to answer our queries or calm our nerves! He went the extra mile for us and we really appreciate it. Thanks Aaron!.

    Liz Lawson
  • I found Aaron at Search Mortgage Solutions extremely helpful and a necessity in sourcing a remortgage and new mortgage. I find all of the legal vocabulary very confusing, so having Aaron break it all down for me and go through the different options made it manageable. Quick, efficient and easy. I would highly recommend this company..

    Cathy
  • I cannot recommend David and Search Mortgage Solutions highly enough, the service was exceptional throughout the whole mortgage process. I work away a lot and found it difficult to arrange an appointment with lenders, but David came to see us on a Sunday night to go through the initial application and always had time to answer any subsequent queries and keep us up to date. I felt confident that the whole team were giving us the very best service they could, and they could be relied upon to chase the application on our behalf and to deal with queries from the lender to take as much hassle away from us as possible. I would recommend to all of my friends and colleagues, and we’ll be back in 3 years for the renewal!.

    Adrian
  • I have been extremely happy with your assistance in helping us find and apply for our mortgage. You have always promptly responded to any questions I have had along the way and been clear and concise with all the information you have provided. You have made everything much smoother and easier to understand than I ever thought possible! Vicky Hayward you are a star – you go above and beyond I’m sure. You do a fabulous job and I will definitely be recommending you..

    Kay & Chris
  • Search Mortgage Solutions were recommended to me by a work colleague who had said they had been very helpful with the purchase of her first home and she wasn’t wrong! I didn’t really understand how the whole mortgage process worked as I was a first-time buyer, but David was excellent at explaining the process and he was very helpful and friendly. He was always prompt at replying and always kept us up to date with progress, he even sorted our life insurance too. The whole process was made simple and so stress-free and I would highly recommend David and the Search Mortgage Solutions team to friends and family. Thank you so much!!.

    Stephanie
  • This is the second time that I have used Search Mortgage Solutions and once again I’ve been very impressed. My advisor went out of his way to do additional research by talking directly to a series of underwriters and offered me a range of advice about how to increase my ability to borrow. The service has been friendly and efficient and, in terms of the product secured, got me exactly what I need. I’ll be recommending SMS to any friends who need a mortgage broker..

    Chris
  • I have used Search Mortgage Solutions twice now in the last 2 years, first when my wife and I purchased our first home, we had received so many knock backs from other brokers saying it wasn’t feasible yet David was excellent he searched the market effortlessly and worked hard to get us a deal which we could afford. Always kept us up to date with progress and even sorted our life insurance too. Therefore I had no hesitation returning when our fixed period was up to remortgage to a better deal which was taken care of swiftly. I have already recommended David and Search Mortgage Solutions to friends and family and will continue to do so..

    Neil
  • I just wanted to drop you a quick line to say thank you so much for all your help with the mortgage. As first time buyers you made the whole process extremely simple and stress free and we cannot thank you enough for all your assistance. Feel free to post this review on any websites you use. Thanks again for everything!! Thanks..

    Anne Marie
  • Search Mortgage Solutions where very courteous and prompt in all correspondence, further providing all necessary information in easy to access files that could be accessed via PC or mobile phone. When we agreed upon a new mortgage quote, Search Mortgage Solutions took care to arrange everything and have it all delivered to our home. Overall the service was prompt, friendly and thorough and we would highly recommend to anyone..

    Sarah
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51 Customer Reviews

Excellent Service

Excellent service from David, he secured my remortgage deal 2 years ago and he is always very helpful. He went above and beyond to get the best deal for me for my current mortgage and is always there to reassure me and offer advice and the best deals to go with.

Nicholas Ward
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Helping You

Buy Your Dream Home

We offer our services to you at no cost, so why wait? Search Mortgage Solutions Mortgage brokers Manchester are here to help.

0800 756 7794

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Mortgage Advice

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We are here 24/7 providing customers with expert advice and solutions for their next mortgage, whether that’s for a New Home, remortgage or but to let.

Manchester Mortgage Broker Rated 5 stars on Google

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1000s

Of Mortgage Deals

We have access to the whole of the market of mortgage providers and because we don’t charge a fee, this can mean a savings for you of hundreds of pounds.

  • Accord Scottish Widows
  • Precise Principality
  • Skipton Teachers
  • Santander Newcastle
  • Natwest Nationwide
  • Paragon Pepper
  • Platform Masthaven
  • Leeds Kent
  • Kensignton Halifax
  • Godiva Foundation
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  • Chorley Beverley
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  • Virgin Halifax
Helping You

Buy Your Dream Home

We offer our services to you at no cost, so why wait? Search Mortgage Solutions Mortgage brokers Manchester are here to help.

0800 756 7794

News

  • Mortgage Rejection

    What happens if a mortgage application gets rejected?

    It is not uncommon for lenders to reject mortgage applications. If your application gets denied, you will instinctively want to reapply with another vendor. Before … Read more

  • Buying property as a limited company

    If you are thinking of purchasing a buy-to-let property, do not let the high taxes deter you from doing so. Buying through a limited company … Read more

  • Student loans and mortgages

    Will student loans affect me buying a house?

    With an increase in university fees, more and more people are being forced to take up student loans. These loans are expensive, and it might … Read more

100% FREE

Mortgage Advice

Simply give us a call or fill out the form

We are here 24/7 providing customers with expert advice and solutions for their next mortgage, whether that’s for a New Home, remortgage or but to let.

Manchester Mortgage Broker Rated 5 stars on Google

Get A Decision In Principle
Within Minutes
Name(Required)
Marketing(Required)
Marketing2
This field is for validation purposes and should be left unchanged.
1000s

Of Mortgage Deals

We have access to the whole of the market of mortgage providers and because we don’t charge a fee, this can mean a savings for you of hundreds of pounds.

  • Accord Scottish Widows
  • Precise Principality
  • Skipton Teachers
  • Santander Newcastle
  • Natwest Nationwide
  • Paragon Pepper
  • Platform Masthaven
  • Leeds Kent
  • Kensignton Halifax
  • Godiva Foundation
  • Fleet Family
  • Darlington Coventry
  • HSBC Vida
  • Mortgage Works TSB
  • Together Mortgage Lender
  • Chorley Beverley
  • BM Solutions Aldermore
  • Virgin Halifax

Address

Search Mortgage Solutions
125 Deansgate,
Manchester,
M3 2BY
0161 710 2587

Statement

Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up with repayments on your mortgage

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