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SAGA MORTGAGES

Helping people over 50 make the right move

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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.

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Standard mortgages

Whether you’re a first-time buyer or on the move, we'll help you get the right deal. 

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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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Remortgaging

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

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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.

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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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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.

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Discover how much you can really borrow

This calculator is only an estimate of how much you many be able to borrow.

Existing mortgage

Add a Booster (Guarantor) to increase your borrowing.

A Booster (similar to a Guarantor) is a friend or family member who is willing to support your mortgage application, either using their income, savings or property.

Select anything that is relevant to you
So we can tailor our calculations

*E.g. doctor, lawyer, accountant or other qualified employment.

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Add a Booster (Guarantor) to increase your borrowing.

A Booster (similar to a Guarantor) is a friend or family member who is willing to support your mortgage application, either using their income, savings or property.

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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 customers love about the products we offer

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

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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Variable vs fixed mortgage rates

Compare variable vs fixed mortgage rates to understand which suits your needs in later life.

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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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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.

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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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Mortgage guides and help

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Mortgages in principle explained

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

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Mortgages for over 70s

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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The First-Time Buyer Mortgage Guide

Understand key steps, mortgage types, and how to support loved ones getting on the property ladder.

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Standard mortgages

Whether you’re a first-time buyer or on the move, we'll help you get the right deal. 

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.