Targeted SolutionLater LifeOver 65RetirementInheritance Tax
The Later Life & Over-65 Property Investor
High-street banks stop lending to you the moment you hit retirement age. We work with commercial lenders who have no maximum age limits, allowing you to invest well into later life.
Age Discrimination in Retail Banking
You have immense life experience, substantial equity in your main residence, and a strong pension. Yet, because you are over 65, high-street banks suddenly view you as a liability and refuse to extend mortgage terms.
Borrowing Without Age Limits
In the commercial and specialist finance sector, your age does not dictate the strength of the deal. The asset dictates the deal.
- No Maximum Age Limits: We have access to Buy-to-Let lenders who have strictly no upper age limits, provided the rental income comfortably covers the mortgage.
- Equity Release for Investment: We can arrange specialized later-life borrowing to safely release equity from your primary home, allowing you to help your children onto the ladder or buy an investment property.
- Generational Wealth Structuring: We collaborate with tax planners to ensure your portfolio is structured correctly (e.g., using Family Investment Companies) to mitigate the brutal 40% Inheritance Tax (IHT) upon your passing.