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SAGA MORTGAGES

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

Compare rates now

Saga Mortgages

Saga has partnered with specialist mortgage broker Tembo Money, to provide our customers with a mortgage advice service. The service gives you access to expert advice including a wide range of specialist mortgage products to help you finance your next home purchase, remortgage or move.

What lenders will you get access to?

As a 'whole of market' mortgage service, your mortgage eligibility will be assessed across more than 100 different lenders and 20,000 products to find the most suitable mortgage option for you.

This includes high-street lenders like HSBC, NatWest, Halifax and Barclays as well as smaller specialist lenders and building societies such as Metro Bank, Livemore, Skipton Building Society, Kensington and Generation Home.

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.

Compare rates now

Fee-free product transfers

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.

Find out more
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Buy-to-Let mortgages

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

Find out more

How much will I be able to borrow?

There are a range of different factors that are used to determine the amount you can borrow depending on your income, expenditure, credit history, age, personal circumstances and property type.

As a rule of thumb, for a standard repayment mortgage you could borrow up to around four and a half times your income. Some lenders go up to five and a half times but there can often be stricter criteria on deposit size and credit score.

Please be aware that your home may be repossessed if you do not keep up payments on your mortgage.

The quickest way to get a more accurate estimate of how much you could borrow is by completing the digital fact-find.

Mortgage calculator

A mortgage is one of the biggest commitments you'll make, and with so many choices it can be hard to work out which one is right for you. Our mortgage calculator will show what you could borrow - you just need to input some basic info, such as your income and what deposit you'd have.

Looking for ways to support your family?

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Income Boost

Use your income to boost the buying potential of your loved ones.

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Springboard Mortgages

Use your savings to lift a family member onto the property ladder.

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Deposit Boost

Release some money from your home to help a child or grandchild.

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

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

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

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

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How to find the right mortgage after the age of 50

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Explore offset mortgages with Saga Mortgages.

Find out more
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Explore second charge mortgages with Saga.

Find out more
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Discover tracker mortgages with Saga Mortgages.

Find out more
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Discover guarantor mortgages with Saga Mortgages.

Find out more

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Discover all the essential information about mortgages in principle in our detailed guide.

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Explore your borrowing options in later life.

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Mortgage protection

Get peace of mind with a range of mortgage insurance options.

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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.