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  • Get a mortgage
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SAGA MORTGAGES

Saga have partnered with Tembo to help you remortgage, buy a new home or simply help a loved one.

Get a mortgage

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 across over 100 lenders including a wide range of products to help you finance your home.

What lenders will you get access to?

You will have access to "whole of market" mortgage advice. This means over 100 different lenders and 20,000 products will be considered to find you the most suitable and best priced option available for you.

This will include all of the 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.

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Remortgaging

Help and advice on how to remortgage.

Find out more
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Retirement Interest-Only

Borrow into later life through a Retirement Interest-Only 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.

Looking for ways to support your family?

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Income Boost

Help your loved ones get a home of their own by using your income.

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Springboard Mortgages

Lend a helping hand and get your loved ones on the ladder through cash savings.

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Deposit Boost

Support loved ones get on the ladder by unlocking money from your home

Search results for mortgages

Later life mortgages in the UK for over 60s

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

Read more
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Your guide to Inheritance Tax

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

Read more

Mortgage guides and help

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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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Later life lending

Saga help you navigate retirement mortgages and later life lending.
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Gifting family inheritance

Are you thinking about gifting your family inheritance early?
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What happens if I have a mortgage when I retire?

Being aware and prepared financially when you stop working is an important part of later life.

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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.

Important information

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 Banking Awards in 2022 and 2023.