At Rettie, our commitment to creating new possibilities in property drives everything we do, and we’re proud to introduce Later Life Lending, a service designed to help homeowners over 50 access the value tied up in their property.

We understand that property ownership is a lifelong journey, and our aim is to support clients at each step of that journey—whether that’s freeing up cash for retirement, supporting loved ones, or simply maintaining financial freedom in later life.

With flexible options including Standard Mortgages, Retirement Interest-Only (RIO) Mortgages, and Lifetime Mortgages, we offer a range of tailored solutions to meet the varied needs of our clients. Each option is designed with the goal of offering financial security and flexibility while ensuring you retain ownership of your home.

Standard Mortgages:

Ideal for those approaching retirement who want flexible terms to maintain homeownership or complete existing mortgage obligations.

Retirement Interest-Only Mortgages:

Perfect for homeowners who want to access the equity in their property without selling, allowing them to make manageable, interest-only payments.

Lifetime Mortgages:

This option allows you to access the value of your home without making monthly repayments. Instead, repayment is made when the property is eventually sold, providing flexibility and peace of mind.

At Rettie, we pride ourselves on our deep market knowledge and exceptional customer service. Our mortgage brokers take the time to understand each client’s individual needs, ensuring that the solutions we offer are the best fit for their unique circumstances.

We’re not just providing financial products; we’re offering the expertise and support to help you achieve your long-term property goals, whatever stage you’re at in your journey.

At Rettie Financial Services, we understand that every later life journey is unique. Whether you’re looking to repay your current mortgage, buy a new property, support your family, or free up cash to enhance your retirement lifestyle, we have access to a range of later life lending products designed to help you achieve your goals. To read more on our credentials, you can view Stephen's profile on the Equity Release Council website.

Rettie Financial Services Ltd is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.

Rettie Financial Services Ltd. Registered Office Address: Deuchrie, Dunbar, East Lothian, United Kingdom, EH42 1TG. Registered in Scotland Number: SC711925.

For insurance business we offer products from a choice of insurers.

Your home may be repossessed if you do not keep up repayments on your mortgage.

You may have to pay an early repayment charge to your existing lender if you remortgage.

There is no guarantee that it will be possible to arrange continuous letting of your property, nor that rental income will be sufficient to meet the cost of your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances.

The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.