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SAGA MORTGAGES

Hit your home goals with the over-50s mortgage specialists.

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Your home is where our heart is

At Saga Mortgages, we believe life after 50 should be full of possibilities. This includes making the most of your home. Whether you want to buy, remortgage, support a loved one, or free up funds for the future, we're here to help.

Thanks to our partnership with award-winning broker Tembo, you can access expert advice on all types of mortgages. You’ll also unlock thousands of deals from over 100 lenders, making it easier to find the best rate and right mortgage for you.

Your home may be repossessed if you fail to repay your mortgage.

Trust Saga to get your mortgage right

Over 50s experts

Access specialist advice and mortgage products for over 50s.

Thousands of deals

Secure the best deal from over 100 lenders and more than 20,000 products.

Always here for you

Talk to a team of award-winning advisers, seven days a week.

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Saving you time and money

Get a personalised recommendation – Quickly see what products and deals are available by requesting a personal mortgage plan. It's fast, free and tailored to your needs.

Forget about future fees - After your first mortgage with us, you'll never pay another advice fee. No matter how many times you move or remortgage. And NHS workers enjoy free advice for life.

Average time to mortgage offer is only 10 days – We keep things moving with instant property valuations, same-day appointments, and by staying open seven days a week.

No broker fees on product transfers - Switching to a new mortgage deal with your current lender? Good news, we won't charge you a penny in broker fees for product transfers. Please note, if you're looking to borrow more through a further advance, our standard remortgage fee applies.

A range of lenders all in one place

Browse and choose competitive rates from a choice of lenders
Accord Mortgages
Barclays
The Co-operative Bank
Halifax
HSBC
Livemore
Metro bank
Nationwide Building Society
Natwest
Santander
Skipton Building Society
TSB
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Remortgaging

Trust us to help you find the best deals when it’s time to remortgage.

Find out more
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Retirement Interest-Only mortgages

Find out how you could borrow in later life with a RIO mortgage.

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Buy-to-Let mortgages

Are you looking to buy your first rental property to earn additional income in retirement?

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Family supported mortgages

There are options available if you want to support loved ones looking to get on the property ladder.

Find out more

More from Saga

There's plenty to explore and learn about our mortgage products and discover what else Saga has to offer.

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Wanting to pay off an interest-only mortgage that's ending soon?

Saga help explain how you can pay off an interest-only mortgage.

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A guide to later-life mortgages and lending

Explore later life mortgages and the options available when you retire.

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Gifting family inheritance

Are you thinking about gifting your family inheritance early?
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Getting a mortgage in retirement

Explore ways to handle getting a mortgage in retirement with Saga.

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Has getting a mortgage become more expensive?

We take a look at how much getting a mortgage costs and understand what's changed.

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How can parents support their children's home purchase?

We look at the ways parents can choose to support their children on the property ladder.

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Downsizing

Is downsizing the right move for you? We help explore the decision.

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Maximising your property's selling appeal and value

Saga help you look at things you can do to increase your home's value.

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Should you let your adult kids live at home?

There are pros and cons having adult children live at home with you.

Mortgage calculator

See what our customers say

Winning team

After having no luck in finding a mortgage with our usual mortgage broker and also with a company specialising in mortgages for the over 60's, we decided to give Tembo a try via Saga. What had started out as a stressful and worrying process was resolved quickly and efficiently. I cannot recommend them highly enough. It is unlikely we will move again, but, if we do, we will definitely use them again.

John

Expert navigation of mortgage market

We were introduced to Tembo through SAGA, a trusted provider of several services. We found Tembo knowledgeable, friendly and efficient and quickly had an offer-in-principle set up at which point our case was taken over by Rebecca who patiently and diligently navigated the blizzard of personal data required by lenders these days and finally escalated the matter with the lender when their requests became obscure and super-detailed. For this alone, it was worth using Tembo who provided efficient, accessible, patient and professional advice throughout.

Sue and Brian

Superstars!

Saga Mortgages managed to sort a sensible mortgage for us in a speedy, professional and understanding manner. Thoroughly recommended! - for Saga Louts and youngsters alike!

Lance

More from Saga

There's plenty to explore and learn about our mortgage products and discover what else Saga has to offer.

Search results for mortgages

Over 60s mortgages

Knowing what your later life mortgage options are is a great place to start.

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Your guide to Inheritance Tax

We do our best to help explain the complicated nature of Inheritance Tax.

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Mortgages for over 50s

How to find the right mortgage after the age of 50

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Offset mortgages

Explore offset mortgages with Saga Mortgages.

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How to Get a Second Mortgage

Find out how to get a second mortgage and release equity from your home, using second charge loans with our expert guidance.

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Tracker mortgages

Discover tracker mortgages with Saga Mortgages.

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Guarantor mortgages

Discover guarantor mortgages with Saga Mortgages.

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Important

Your home may be repossessed if you fail to repay your mortgage. Saga Money may receive payment from Tembo if you get a mortgage offer via the Saga Mortgages service. This will not affect the amount you pay for the service.

Saga is a registered trading name of Saga Personal Finance Limited, which is registered in England and Wales (company number 3023493). Registered office 3 Pancras Square, London, N1C 4AG. Saga Personal Finance Limited is authorised and regulated by the Financial Conduct Authority under the registration number 178922.

Tembo Money Limited (12631312) is a company registered in England and Wales with its registered office at 18 Crucifix Lane, London, SE1 3JW. Tembo is authorised and regulated by the Financial Conduct Authority under the registration number 952652. Tembo Money was awarded Best Mortgage Broker at the British bank awards in 2022, 2023, 2024 and 2025.