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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.

  • Me and my partner are first time buyers, we recently used David to secure or first mortgage! The help we received from David was above and beyond, working all hours and even weekends to get the best deal possible for us. Smooth sailing and couldn’t recommend him more, thanks for everything!👍.

    Jake H
  • 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. The communication was excellent with responding to my queries. I will continue to use David and his team into the future as long as these services are still available to me. I would highly recommend David and his team to friends and family. Search Mortgage Solutions is the best mortgage broker I have worked with and have used them for many years and will continue to use them for many more years to come..

    Nicholas Ward
  • I used David and team to secure my mortgage when I bought my first home where he was incredibly helpful, answered all of my (many) queries and worked very hard to find the best rate available to me. I recently used Search Mortgage Solutions again to find a new mortgage, where David worked very quickly and effectively to find me a low rate despite the rapidly rising interest rates. I will continue to use David's services as long as they are available and would highly recommend Search Mortgage Solutions to anyone looking to secure a mortgage .

    James Rynn
  • We just renewed for the third time with David, he worked hard to get us the lowest rates possible while rates were changing and made everything easy for us. Recommended as always! .

    Adrian Ingham
  • Fantastic experience with David from Search Mortgage Solutions. He had to navigate some complex issues with my remortgages and did so expertly and with patience. I’ve used this company several times now for both new mortgages and renewals and they have never let me down. Always highly professional, timely, and supportive through the whole process. I thoroughly recommend them! Thanks for everything David :).

    Stuart Avery
  • I cannot recommend David highly enough. He was extremely professional and helpful explaining all of the details in a way that I understood and made the whole process easy from start to finish. If you want to remove one of the stresses of moving house or just remortgaging then David is your guy and I had complete faith in the work he was doing for us. Will be using him again for sure..

    Michael Chapman
  • As a first time buyer, we had so many questions for David and he went above & beyond to put us at ease and make it a smooth process. Nothing was ever too much & we are really grateful to be getting our first home with a huge thanks to David. Would highly recommend to friends and family and will be using search mortgage solutions again!.

    Anna Hunt
  • Great service, from David, he arranged our mortgage 2years ago and got us a great deal this time round when our fixed term was up. We will be contacting David again when this deal needs renewing. Excellent service and advice..

    Marie Tattersall
  • David is the best. I couldn’t recommend him more highly. He’s as conscientious as they come and really cares about getting the best products for his customers and giving a great service while he does it - a really rare thing in this day and age. was recommended to him by a friend who had the same great experience and he didn’t disappoint. Utterly brilliant from start to finish. Thanks for everything David! 👍.

    Peter Lord
Search Mortgage Solutions

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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
  • Fleet Family
  • Darlington Coventry
  • HSBC Vida
  • Mortgage Works TSB
  • Together Mortgage Lender
  • Chorley Beverley
  • BM Solutions Aldermore
  • 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

The guidance and/or information contained within this website is subject to UK regulatory regime and is therefore primarily targeted at consumers based in the UK.”

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