55 to 105 and beyond... there's no upper age limit on our later life mortgages
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Why do people choose a mortgage in retirement?

Here are some of the most popular reasons for taking a later life mortgage

Enjoy retirement to the full Image
Enjoy retirement to the full
Be it a big purchase or a trip of a lifetime, you can borrow money with a later life mortgage.
Home improvements Image
Home improvements
Looking to make improvements to your home? We can help you release funds for the work.
Help out loved ones Image
Help out loved ones
Perhaps you want to help your family with university costs or provide them with a deposit for their first home?

How is The Cumberland different?

Unlike a lot of banks and building societies, we don’t have an upper age limit for borrowers, either at the time you apply or the time the mortgage is due to end.

- We offer a range of fixed and variable rate mortgages for 2, 3 and 5 years
- Our team of expert underwriters will look at your specific circumstances
- You can speak to our mortgage and protection advisors about your application at any time
- We go out of our way to ensure our products and services meet the needs of our customers

Read more about The Cumberland →

Peter Capstick, 70, Cumberland Customer

At the bank it seemed to be a case of this is what the screen says and this is what I must do, but at The Cumberland it was 'I will get in touch with the underwriting team to say what I think what we should do in this case'.

Peter Capstick, 70, Cumberland Customer

Happy Mortgage customers

Where We Lend

We provide mortgages on properties throughout England, Scotland and Wales. Some of our mortgages are only available on properties in our branch operating area.

Our operating area is Cumbria (all CA and LA postcodes), South-West Scotland (all DG postcodes and TD9), West Northumberland (NE45-49) and North Lancashire (all PR, FY, LA AND BB1-3 and BB5-7).

Use our Mortgage Calculator to find out which mortgages are available to you.

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Next steps

Get started with a later life mortgage from The Cumberland

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