What are the age limits for obtaining a mortgage?

There is no universal maximum age after which you cannot obtain mortgage. However, most lenders have set their own age limits; typically between 65 and 80, and most lenders will not allow someone to be still repaying a mortgage any later than 85 years of age. Your age will be considered but so will other factors like income, your pension income, your planned retirement age and the mortgage term (duration) that you are seeking. Some lenders are more favourable to older applicants, so if this is a factor for you we’ll advise you so you have the best possible chance of being accepted.