Later Life Mortgages
Forward thinking mortgages for the young at heart

If there’s one certainty in life, it’s that we’re all going to get older, but we don’t believe that should put a brake on our ambitions. 

That’s why we’ve created our Enjoyable Futures mortgage for borrowers aged 55 and over, who want to take their mortgage into retirement and beyond the age of 75. Your client can choose from two, five and 10-year fixed term rates, and a mortgage of up to 70% loan-to-value on a repayment basis, with a maximum age of 90 at the end of their payment term. 

It’s just another way we’re determined to help your customers get a mortgage, whatever their age. 

Use our mortgage calculator to work out how much your client could borrow with us.

View Product Guide Try our Calculator


Offered on a 2, 5 and 10-year fixed rate

Shorter 5 year ERC on 10-year fixed rate

Products available for up to 70% LTV on a repayment basis

  • Maximum age 90 at the end of term
  • Self employed based on 1 years accounts
  • Underwriter decision – not automated score
  • No application fees
  • Suitable for borrowers 55+, those who wish to take their mortgage into retirement, and those who wish to take their mortgage beyond the age of 75
For further details see our full lending criteria.




Enhanced affordability - up to 6x income

Loans available up to 90% LTV

Maximum age at application: 40

View Product Range 

Up to 85% LTV

Limited Company assessed on SPV portfolio only

Maximum age at application: 70

View Buy to Let Guide 
Have a case to discuss gesture
Contact our BDM unit
New enquiries
0800 111 020
Existing cases
03444 99 00 11
Already have an account?

Login to our online portal to submit or access your client's mortgage application.

New to Kensington?

You can submit your client's mortgage application by registering your company using our online portal.

Accessibility Cookie Policy Terms of Use

Kensington and Kensington Mortgages are trading names of Kensington Mortgage Company Limited (registered in England & Wales No. 3049877), which has its registered office address at: Ascot House, Maidenhead Office Park, Maidenhead SL6 3QQ.

Kensington Mortgage Company Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference No. 310336). Some investment mortgage contracts are not regulated by the Financial Conduct Authority.