Published 17 October 2013 · Last reviewed 1 May 2026

If you are looking for a buy to let mortgage into retirement then look no further. This exceptional product does not have an age limit which is almost unheard of in this day and age.

This means that you can continue to enjoy rental income in your retirement rather than have to sell the property.

Qualification criteria for the Buy to Let Mortgage  Into Retirement

• Houses in England and Wales only.
• Current residential homeowner.
• No adverse credit.
• No maximum age at entry. Maximum term 30 years.
• Maximum buy to let portfolio (20 to include this application).
• Minimum deposit or equity 25%.
• Not available for student lets, HMOs or DSS tenants.
• Minimum earned income either from employment, self employment or private pension is £20,000 per annum.

Example of current Buy to Let Mortgage Into Retirement
Based on a purchase price of £200,000 and an interest only mortgage of £150,000 over 25 years.

There is a telegraphic transfer fee of £30 and a mortgage discharge of £125 on full redemption. The main early repayment charges are 2% of the amount repaid in the first 2 years.

The 75% Buy to Let Mortgage Into Retirement are current as at 17 October 2013:

• 2 Year Discount
  Initial pay rate 3.99% (APR 5.2)
  Valuation Fee £185 / Arrangement fee £895 / Booking Fee £100
  Currently at £498.75 per month for 2 years. After this period the mortgage will revert to the lender’s variable rate at the time. Based on today’s prices this would be £648.75 per month.