5.19% Nationwide Mortgages For Over 70s – January 2026 Free Valuation

• Remove tax-free money from your property – with a flexible maximum age
• 5.19% APR for mortgages for over 70s
• No lender fee for later life over 70 mortgages
• Free home valuation
• There is no product fee for a mortgage over 70
• You can get a mortgage to buy another home
• You can choose to make a monthly payment.
• Help a family member buy their own home with a modest mortgage
• Continue to live in your own home for as long as you like and maintain 100% ownership
• This mortgage is transferable, so you can move home if you need to

How much money can I get?

You can release 65% of your home’s valuation. For example, if your house is worth £330,000, you can borrow £214,500.

Recently completed mortgage, equity release and lifetime mortgage cases

Sophie G from Aberdeen

The financial advisor I’ve had for 25 years said I could save on inheritance tax by taking out £350,000 of equity release. The money was lent at a meagre interest rate, close to 2%, and competitive with the rates you would get on regular mortgages by providing income. I have saved a lot of tax. 

I’ve got an excellent mortgage deal for over-70s.  The timing was great as my traditional mortgage term was up. Getting a mortgage to release equity protected my other investments with high-street lenders, and the maximum age limit was not a problem.

Mrs Daly from Glasgow

My daughter lives in the States and does not have health insurance. My £ 30,000 lifetime mortgage paid the medical bills for her son’s birth and a year’s rent in advance for a new flat for the baby. 

The maximum age limits were not a problem for me.  I was not interested in working longer, and finding the right product the first time was easy.

Mrs E from London

My mortgage needed to be repaid to the existing lender. I thought I was going to lose my house. Thanks to Concise, I got an equity release to pay off my mortgage. 

The RIO mortgage I got was the right deal, as standard mortgages weren’t an option and had different limits.

Mrs M from Birmingham

I got an interest-only retirement mortgage with no broker or lender fees, which I pay monthly from my private pension.

The money released went to my daughter for her wedding and a deposit for her next house. She wanted a family, and her flat was too small. The monthly payment was affordable for me, and getting a good credit score helped.

David P

With my power of attorney, I got an equity release on my father’s house to pay for disability provisions, including a lift and a new kitchen.  I looked at other options, but it was easy to find a mortgage. 

The type of mortgage was an aged 70 lifetime mortgage.

I considered retirement interest-only mortgages, but the roll-up interest was better for him.

Ms G from Dover

I divorced my husband, who was a violent alcoholic.

I feared losing my home as I sometimes looked after my daughter’s children. Equity release enabled me to pay off my ex and stay secure in my house. The later life mortgage option was right for me.

Mr Williamson from Chiswick

My son is a chef in a care home. He is poorly paid, and his bank would not lend him the money to buy a flat. My equity release let him put down a substantial deposit, so his mortgage was minimal.

My equity release interest rate was close to the rate his bank offered.

The rate is also similar to the existing mortgage I paid off, and I now have no mortgage term.

Mrs G from Leeds

My daughter is a single mother, and I got a £ 120,000 lifetime mortgage to buy her a flat outright as she has had a succession of poorly maintained rental flats not suitable for her child. There was no maximum age limit for the mortgage.

Mrs Shaw from Lancaster

I had an interest-only mortgage with Birmingham Midshires. The mortgage had come to the end of its term, and they wanted the £127,000 I still owed them back. My mortgage of over 70 saved me from losing my home, and the rate was close to what I had paid before.

A retirement interest-only mortgage with no fixed mortgage term was right for me.

https://www.nationwide.co.uk/

Providers for mortgages for the over 70s – moderate loan amount with high street lenders’ terms

• Legal and General with a savings account and no upper age limit.
• Norwich Union residential mortgage with pension income
• Key Retirement lending criteria with no repayment charge
• Mortgage over 70 with no maximum age limit

The lender, like Nationwide mortgages for over 70s will want to know if the property is a Detached freehold house or a Leasehold house and if the resident is an owner-occupier. For RIO (pensioner interest only), you will need proof of income for repayments on your mortgage, and your home may be repossessed if you don’t make the payments like any other interest-only mortgage payments.

Nationwide mortgages for over 70s with no upper age limit

You can take out a new mortgage at the age of 70 and repay it when you die.

Downsides of Family Building Society Schemes – mortgage options with a flexible age limit – mortgage for over 70s

Nationwide mortgages for over-70s with flexible cash release can reduce the inheritance your family receives. Home reversion plans may impact entitlements to benefits. You may need to pay a broker’s fee, and some products may expose you to interest rate fluctuations.

• Halifax RIO Advice
• Barclays Retirement Interest Only Mortgage Comparison
• Lloyds Lifetime Mortgage Fixed Rate
• Nationwide
• Halifax Pensioner Mortgage Comparison
• Lloyds Bank Equity Release Retirement
• BISF Equity Release Loan
• Age Partnership Reviews
• YBS Lifetime Mortgage On Second Property
• Best Mortgages For Over 50s Retirement Mortgage Comparison
• Tipton & Coseley Mortgage Comparison Early Repayment Charges
• Early repayment charge nationwide
• Nationwide loans for over 70s
• nationwide mortgages for over 60s 70 mortgage
• Natwest buy to let mortgages for over 70s
• Yorkshire Bank Equity Release mortgage for 70-year-old
• Natwest Equity Release Plans mortgages for 70 year olds

Towns of the UK where mortgages for pensioners over 70 are standard – low-risk building societies mortgage over 70

• Newbury lender fees equity release plan instead of a home reversion provider
• Hartlepool property value legal advice
• Newton Abbot lenders offer mortgages based on your property value
• In Redruth, you can get a standard age of 70 later life finance package
• Princes Risborough retirement interest-only mortgages
• Ramsey retirement interest-only mortgage
• Sleaford lender fees equity release advice
• Gainsborough property value equity release advisers
• Exmouth award-winning types of equity release in 2025
• A tax free lump sum is standard in Wells-next-the-Sea
• Arlesey negative equity guarantee equity release adviser
• Equity release could be suitable for people in Newquay
• Edenbridge is a standard plate for removing equity from your home.
• Windsor, the typical type of equity release, is a lifetime mortgage.
• In Paddock Wood, is equity release safe is a common question
• Releasing equity in Ashford is very common where property values are high

Aviva Drawdown mortgage applicants

Canada Life Retirement Mortgages

Crown Mortgages age restrictions

Pure Retirement funding for loved ones

LV Drawdown mortgage lenders – existing mortgage balance

Aviva Retirement Mortgages

Does Nationwide Building Society offer Pensioner Mortgages?

Yes, Nationwide Building Society Pensioner Mortgages are 5.21% APRC.

Does Nationwide Building Society offer Equity Release?

Yes, Nationwide Building Society Equity Release is 5.21% MER. Mortgages for the over-70s will become increasingly popular in 2025. You can also remortgage with Nationwide.

What percentage can be released? Need the help of a mortgage adviser for a home loan mortgage comparison and study of mortgage terms?

The standard loan-to-value percentages of Liverpool Victoria retirement interest-only mortgages over 60, More to Life over 60 lifetime mortgages no fees, One Family mortgages over 65, Yorkshire Building Society mortgages for people 60 plus, Metro Bank mortgages for pensioners over 60, and SunLife equity release schemes for people over 70 are 45%, 60%, and 65%. Remortgaging with Nationwide could be a good option.

• 55% monthly payment lifetime mortgage Old Mutual Wealth – property market fund
• 35% LTV compare mortgages plan Shawbrook – flexible age restrictions
• 25% loan-to-value interest-only lifetime mortgages Masthaven 1st Charge
• 30% LTV monthly repayment scheme Equifinance for the existing mortgage balance
• 45% LTV 25 years lump sum lifetime mortgage over 70 with no upper age limit
• 55% LTV getting a mortgage over 65 home improvements
• UK mortgages for pensioners over 70 equity release products
• Aviva pre long term care plans with a 25 year term
• L&G Legal & General Flexible Max Scheme for Loved Ones
• A mortgage for over 70s at under 5.19% MER mortgages up to age 85
• L&G Legal & General Flexible mortgage calculator for retirement planning
• More to Life Flexi Choice Voluntary Payment Super Lite at Bank of England base rate plus 5.11% (variable)
• The pure Retirement 25-year plan mortgage market review
• More 2 Life Capital Choice Plus Plan – if you can’t get a nationwide mortgage offer
• Aviva repayment mortgages with capital repayments to increase your property wealth
• Age Partnership buy to let Schemes with no need for a specialist broker
• Nationwide mortgages for over 70s for all personal circumstances
• Aviva mortgage products mortgages for pensioners over 70 for up to 15 years
• More to life Capital Choice Plus Plan mortgage broker mortgage type
• Bridgewater mortgages for pensioners over 70 for a cash lump sum
• Canada Life products are registered in England with broad eligibility criteria
• Hodge Lifetime Flexible Voluntary Repayment Plan save money with a lower rate
• L&G Legal & General Flexible investment income equity release scheme similar to a standard mortgage
• Pure Retirement Classic Drawdown Lite Plan with no mortgage repayments
• TSB Lifetime Interest Only Mortgage – guarantor mortgage for others
• UK retiree Mortgage for over 70s new mortgage deal for people with regular income every month
• NatWest Interest Only eligibility requirements for a more personalised service
• L&G Legal & General Flexi Max Voluntary Repayment Plan with a free mortgage adviser
• A pure Retirement mortgage provider the right mortgage deal – low rate mortgages
• Stonehaven mortgage deals with mortgage age limit higher than most lenders
• TSB retirement income RIO with monthly payments and no early repayment charge
• Leeds Building Society Housing Association Equity Release product advisor fees for homeowners later in life

Nationwide Mortgage over 70

Does Nationwide Building Society offer Retirement Mortgages?

Yes, Nationwide Building Society Retirement Mortgages have an APR of 5.21%. It would help if you had a nationwide mortgage valuation.

If you have credit cards and other loan amounts, this may impact affordability checks even if the market value of your home is vital.

Best Interest only retirement mortgage for 2025

To improve your chances of getting a 25-year term, you must provide your credit report with a good credit score. When the payment holidays are exhausted on the residential mortgage, a home reversion plan may be in the interests of a loved one so the repayment terms are not defaulted on.

It’s common to find people seeking out lump sum lifetime mortgages, lump sum lifetime mortgages or home reversion schemes; however, Age Partners, like Royal London Equity Release, are keen to see evidence of your situation through bank statements.

Under 40

The typical loan-to-value percentage ratios of Lloyds mortgages for 60 plus, Barclays over 60 lifetime mortgages with no fees, NatWest later life borrowing schemes over 55, L&G later life interest-only mortgages over 75, Royal Bank of Scotland mortgages for over 70s, and Nationwide BS over 60 lifetime mortgages are 40%, 55%, and 65%.

Does Nationwide Building Society offer Equity Release Under 55?

Yes, Nationwide Building Society Equity Release Under 55 is 5.08% APRC. It would help if you studied the nationwide lending criteria for mortgages.

The lender’s eligibility criteria is quite strict.

Some financial institutions are located in Copper Row, SE1 2lh. The mortgage age limit nationwide is very generous.

Many of the most appealing pensioner finance products are TSB interest-only mortgages for people over 70, mortgages over 65, Halifax equity release schemes, Legal & General retirement mortgages, and Nationwide BS lifetime mortgages.

Does Nationwide Building Society offer Lifetime Mortgages?

Yes, Nationwide Building Society does lifetime mortgages at 2.06% APR. Nationwide Building Society Lifetime Mortgages have an LTV of 55%.

Is a Nationwide buy-to-let mortgage for over 70s a good deal?

Yes, the terms and the rates are close to some of the most competitive BTL mortgages for younger people.

Can pensioners get a mortgage with sufficient proof of income?

Yes, pensioners with a good income can easily get a mortgage.

Can a 70 year old get a mortgage?

Yes, over 70s mortgages are prevalent.

Are mortgages for 70 year olds possible?

Yes, and the good news is that they have very low rates, as pension income is considered very stable. Mortgages for people over 70 can be under 6% APRC.