The struggle that faces many 40-plus-year-old mortgage applicants when trying to borrow money from Britain’s biggest lenders was highlighted on BBC News again today.

Over the past few years certain lenders have made it increasingly difficult for ‘older’ borrowers to successfully secure a mortgage, with many requiring proof of retirement income from the state pension age – often regardless of whether they intend to work for longer.

The BBC’s report highlights how borrowers, who have in many cases been forced to climb on the property ladder later than desired having saved for many years to secure a suitable deposit, face unfair suitability criteria based upon their age.

The Financial Planning Group have more than 21 years experience helping borrowers in these circumstances, and because our mortgage experts are able to offer mortgage products from across the whole market, rather than being tied into one lender, we have access to lenders who will assess affordability until the age of 75 rather than 65.

If you are considering moving home, buying a property, or re-mortgaging, please give Steve Padgham a call on 020 8614 4782 or e-mail him at He’ll be delighted to find the mortgage that’s perfect for you.










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