Fact sheet

Later life lending and building societies' lending age limits

Following the recommendations of the BSA's 2015 report Lending in retirement building societies have reviewed their maximum age limits for lending. Below is a list of the societies who have chosen to increase their upper lending age limit to 80, 85 or remove all together.

In addition to the report the BSA has published a consumer information guide on the subject -  Can I get a mortgage at my age?

You can find out more information on mortgage options when considering borrowing into, or during, retirement in this useful leaflet (created in collaboration with UK Finance and other trade associations).

Contact details for all of our members are available in our list of members.

Societies with no age limit:

Bath Buckinghamshire
Cambridge Chorley
Cumberland Dudley
Harpenden Hinckley and Rugby
Ipswich Leek United
Loughborough Marsden
Penrith Saffron
Tipton & Coseley Vernon

Societies that will lend up to age 95:


Societies that will lend up to age 85:

Beverley Darlington
Earl Shilton


Leeds Mansfield
Market Harborough Monmouthshire
Nationwide Scottish
Stafford Railway  

Societies that will lend up to age 80:

Furness Hanley Economic
Melton Mowbray Newbury


Teachers Yorkshire

Societies with retirement interest-only mortgages

Bath Beverley
Buckinghamshire Cambridge
Dudley Family
Hanley Economic Leeds
Mansfield Marsden
Melton Mowbray Nationwide
Newbury Nottingham
Penrith Saffron
Scottish Suffolk
Vernon Tipton & Coseley



Simon Rex

Information Services Manager

Tel: 0207 520 5914 simon.rex@bsa.org.uk