My wife and I want to buy a home - but can we get a mortgage in our 中央の-50s?

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I am 56 and my wife is 54 - and finally, after saving. we are ready to buy a home.

However, mortgage 仲買人s say there is nothing 利用できる because of our age. Is that 権利?

We have a total income of £85,000.? In my 役割 I can 請け負う 協議するing up to the age of 70.?

We will both have income from our 各々の 私的な 年金s in 退職 - but, ideally, we would 支払う／賃金 off the mortgage before we both retire.?R.P, via email.

SCROLL DOWN TO FIND OUT HOW TO ASK DAVID YOUR MORTGAGE QUESTION?

Mortgage help: Our new 週刊誌 Navigate the Mortgage Maze column 星／主役にするs 仲買人 David Hollingworth answering your questions.

David Hollingworth replies: The 規則 that followed the credit crunch and 続いて起こるing 財政上の 危機 sought to 改善する lending 基準s 一般に, but later life lending was certainly one of those 重要な areas that the Mortgage Market Review 焦点（を合わせる）d on.

In an ideal world it makes sense to 計画（する） for any mortgage to be repaid by the time we retire.?

地位，任命する 退職 income will typically be lower, so not having a mortgage to 競う with will make 月毎の 予算ing easier.

However, 貸す人s tended to 反応する by 強化するing their 基準 around lending to older borrowers and where they may not have やむを得ず had 明確な／細部 age 限界s in place, many began to put in place a 最大限 age at the end of the mortgage 称する，呼ぶ／期間／用語.

That didn't 妨げる the 貸す人 from considering a mortgage that ran beyond 心配するd 退職 age, but many put a 最大限 of 70 or 75 at the end of the mortgage.?

Although that still 許すd for mortgages to be 認めるd to older borrowers it 限られた／立憲的な the 選択s, 特に for those approaching the 最高の，を越す end of the age cap.

Over time mortgage 貸す人s have sought to 適用する some more 柔軟性 on the 最大限 age that they can consider, recognising that some older homeowners want the ability to use a 基準 mortgage and were 井戸／弁護士席 equipped to manage a 月毎の 支払い（額）.

That's helped 改善する the 範囲 of 選択s and although some 貸す人s will still 限界 the 最大限 age to 75 at the end of the 称する，呼ぶ／期間／用語, others are now able to consider lending to 80 or 85.?

Others may go even その上の or have no 最大限 限界 at all and some have developed 製品s 特に 目的（とする）d at borrowers over 55.?

For example, Marsden Building Society 申し込む／申し出s 明確な／細部 製品s 目的（とする）d at borrowers over 55 and can 申し込む／申し出 a 称する，呼ぶ／期間／用語 that 延長するs beyond the 最大限 age that would 適用する to its 基準 製品s.

A new type of 製品 was also developed to 申し込む／申し出 an 選択 that didn't 要求する there to be a 明示するd mortgage 称する，呼ぶ／期間／用語 at all.?

The 退職 利益／興味 Only (RIO) mortgage 申し込む／申し出s borrowers the chance to borrow on an 利益／興味 only basis and the mortgage is only repayable on sale of the 所有物／資産／財産, on death or on a move in to long 称する，呼ぶ／期間／用語 care.

最大限 age may not be the only 限界ing factor. Although 貸す人s will have 変化させるing approaches to age, they will all need to be sure that the mortgage is affordable throughout the 称する，呼ぶ／期間／用語.?

Therefore, they will also want to understand that the level of income will be 適する. There may also be more 制限s on the 割合 of the 購入（する） price that they will lend, which could 要求する a bigger deposit.

That income can 含む demonstrable 年金 income if it's 要求するd to borrow beyond 退職. The shorter the 称する，呼ぶ／期間／用語 that the mortgage is structured over, the higher the 月毎の 支払い（額）s will be which could 影響する／感情 affordability.?

It may therefore be important to 証拠 the likely income not just now but throughout the mortgage 称する，呼ぶ／期間／用語, so gather up as much documentation on 推定する／予想するd 年金 income as possible.

After saving up, the couple are ready to buy their own 所有物／資産／財産, but mortgage 仲買人s have said there is nothing 利用できる for them 予定 to their age

That's true for the RIO mortgage 同様に, as there will be a 月毎の 支払い（額） 要求するd to 会合，会う the 利益／興味.?

Given these are 目的（とする）d at older borrowers, 貸す人s will often also consider if one were to die and how that would 影響する／感情 the income, to make sure that the mortgage should remain affordable. That can 限界 their availability for some borrowers.

On the 直面する of it, you have a good 現在の level of income, so it would make sense to consider in more 詳細（に述べる） what is 限界ing your 選択s.?

It may be your age but there could 井戸／弁護士席 be some 解答s 利用できる if affordability can be 証拠d throughout the mortgage 称する，呼ぶ／期間／用語.

Some of the building societies and specialist 貸す人s are often strong in mortgage 選択s for older borrowers.?

物陰／風下d Building Society can consider lending up to 85 at the end of the 称する，呼ぶ／期間／用語 and 申し込む／申し出s RIO mortgages and smaller societies can also have a 柔軟な approach.?

Specialists such as Livemore and Hodge also 申し込む／申し出 a wider 範囲 of 選択s for older borrowers than many mainstream 貸す人s.