Retirement interest only mortgage advice.

If you are approaching or are already in retirement, and need a mortgage, we’re here to help.

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

We're here to help you.

At One Roof Financial we understand that mortgages can be confusing especially when you need to consider potentially reducing income at retirement. We can help you to understand your options and how this type of mortgage may affect you & your property in the future.

Why would I need a retirement mortgage?

If you have an existing interest only mortgage and you are approaching the end of the mortgage term but are unable to pay off the balance, or you want to release equity, a retirement mortgage may be appropriate. To be eligible, your retirement income must be high enough to service the monthly interest charges throughout your life. Because you are servicing the monthly interest, the mortgage balance will remain the same throughout the term. A retirement mortgage is fully repaid on your death or admission to long-term care when the house is sold.

Helping you make the right choice for your home or property.

We think it’s important for our clients to have access to tools and resources to help them plan, even before they speak to us. So take a look at our mortgage calculators to see an estimate of what you could borrow and how much it may cost.

What now? Speak to an adviser.

If you speak to one of our advisers, they can develop a bespoke mortgage
quotation for you based on results from over 50 lenders.

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