Mortgages in retirement

Call us on 01228 403141 to speak to us about a Later Life Mortgage if you're in mainland UK.
Find out how much you could borrow and your monthly payments
Mortgage Calculator

Later life mortgages from The Cumberland

We're a building society offering mortgages in retirement for customers throughout mainland UK

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UK retirement mortgages
We can help in a variety of ways such as home improvements or providing financial assistance to your family.
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Award-winning service
We've won awards for our customer service and work to protect our vulnerable customers
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Easy to contact
Our dedicated contact team are available 7 days a week, or you can speak to us online at your convenience

Why The Cumberland?

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 variable rates
- 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 →

Malcolm Snape, 71, Cumberland Customer

I searched the internet and found that the Cumberland had no age limit, it was a God send. They were happy to help and thanks to them I’m buying the property next door.

Malcolm Snape, 71, 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.

Mortgage Calculator

Next steps

Get started with a later life mortgage from The Cumberland

Mortgage Calculator
Find out how much you could borrow
Speak to us
Chat online or schedule a call
Read more
Find out about the mortgage process


  • I haven't retired yet, can you lend to me into retirement?
    Yes, our products are available on an interest only or repayment basis, at up to 75% loan to value (LTV) for purchase or remortgage of property in mainland UK.
  • Is there a minimum borrowing amount?
    For new customers, the minimum borrowing amount is £50,000. For existing customers, the minimum is £2,500. The total of your existing loan and your new application must be no more than 70% of the value of your home.
  • Is there a minimum income requirement?
    For interest only mortgages outside of our operating area, applicants are required to have a minimum income of £50,000. There is no income requirement for repayment mortgages.
  • What is the mortgage application process?

    1) Call our Customer Services on 01228 403141, or speak to our web chat team to arrange a 15 minute telephone appointment. You’ll receive a call within 48 working hours from one of our National Lending team experts.

    2) The initial 15 minute telephone appointment will give basic information on our products, when you complete and return your application form we will call you to give you specific advice.

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.