Buying a home later in life feels more simple with Saga Mortgages. Our expert service is here to help people over 50 who are upsizing, downsizing, relocating, or buying for the first time. And if you’re unsure how mortgages work, we’ll hold your hand every step of the way.
Working, retired, or somewhere in between? You can access award-winning advice and a range of specialist mortgages, thanks to our partnership with Tembo. They’ve been voted the UK’s Best Mortgage Broker for the past four years. And once you’ve had a call with their friendly team, you’ll soon see why.
Access specialist advice and mortgage products for over 50s.
Secure the best deal from over 100 lenders and more than 20,000 products.
Talk to a team of award-winning advisers, seven days a week.
We’ll do our best to boost your affordability and secure you the lowest interest rate available. And thanks to our range of time and money-saving features, the potential perks don’t stop there.
Your home may be repossessed if you fail to repay your mortgage.
Thanks to our partnership with Tembo and Gen H Legal, you can get £250 plus VAT off the legal costs of property sales or purchase, and £500 plus VAT off combined sales and purchases legal costs. This offer can be withdrawn at any time. T&Cs apply.
As we offer a broker service, you can access a wider range of deals than going directly to a bank. Below are just a handful of the lenders available through Saga Mortgages.
Here are some of the things people ask us about standard residential mortgages.
Yes. Many lenders offer mortgages tailored to people over 50. When you talk to the team at Saga Mortgages, they’ll discuss the best options for your age and situation.
Yes, pension income and annuities can be included in affordability assessments.
This depends on the mortgage lender. As life expectancy rises, lenders are becoming more flexible with their age limits. Typically lenders can offer mortgages for people between 70-85, with some allowing you to apply for a mortgage into your 90s. But the mortgage term is likely to be much shorter and the monthly costs much higher.
There are plenty of options and we can help you explore them. Some lenders offer specific terms and products for later-life first-time buyers. You can find out more by reading our helpful article: Mortgages for over 50s.
Got a question about mortgages? You can chat to our team of experts seven days a week.
Mon-Thu 9am-8pm
Fri 9am-5:30pm
Sat-Sun 10am-3pm
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.
There's plenty to explore and learn about our mortgage products and discover what else Saga has to offer.
Fix the price for the next 2 renewals with Saga Plus home insurance. You'll have no surprises when you come to renew. T&Cs apply.
