Standard mortgages

Advice and deals tailored to you

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.

Saving you time and money

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.

• No future fees - After your first mortgage with us, you'll never pay advice fees again. No matter how many times you move or remortgage.
• Free property reports - Once you complete a recommendation, you can download a free property report. This covers everything from broadband speeds to local school ratings.
• Free mortgage protection advice - Get a free review of your insurance needs. A team of experts will help you choose the right policy for your property.
• Instant searches - Receive a mortgage in principle in less than 10 minutes. We’ll quickly search thousands of deals and calculate your borrowing potential.
• Offers in just 10 days - We keep things moving with same-day appointments and by staying open every day of the week. This means your average mortgage offer wait is only 10 days.
• Switching to a new mortgage deal with your current lender? Good news - Saga Mortgages won't charge you a penny in broker fees for product transfers.

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

Save on conveyancing via Saga Mortgages

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 This offer can be withdrawn at any time.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.

Deals from a range of lenders

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.

Standard mortgages FAQs

Here are some of the things people ask us about standard residential mortgages.

Can I get a mortgage over the age of 50?

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.

Will lenders look at my pension income?

Yes, pension income and annuities can be included in affordability assessments.

What’s the upper age limit for a mortgage?

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.

What if I’m buying for the first time in my 50s?

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.