Quick answer
Yes, you can get a mortgage at 60 in the UK: the FCA sets no age limit. Lenders cap the age at the end of the term, usually 70–85, and test pension income.
Data as of 2026-10-16. Source: FCA MCOB 11
Under the FCA's Mortgage Conduct of Business rules (MCOB 11), if a mortgage runs past your retirement the lender must assess affordability on the income you expect in retirement. Your State Pension age is 66 today and rises to 67 between 2026 and 2028.
| Option | Typical age | How it works |
|---|---|---|
| Standard repayment mortgage | Lender max at end of term, usually 70–85 | Affordability on salary, then pension |
| Retirement interest-only (RIO) | Often 55+, no end date | Pay interest only; repaid on death or move to care |
| Lifetime mortgage (equity release) | 55+ | No monthly payments required; interest rolls up |
Source: FCA MCOB 11, MoneyHelper. Moving to the US? See US rules for a mortgage at 60.
Mortgages by age
- Mortgage at 50
- Mortgage at 55
- Mortgage at 60
- Mortgage at 65
- Mortgage at 70
- Mortgage at 75
- Maximum age for a mortgage
- Reverse mortgage (HECM) age 62 rule
Related
- Maximum Age for a Mortgage: Is There a Retirement Age Limit? (US & UK, 2026)
- Can You Get a Mortgage at 50? Yes: Age Rules, Payments & Options (2026)
- Can You Get a Mortgage at 55? Yes: Age Rules, Payments & Options (2026)
- Can You Get a Mortgage at 60? Yes: US Age Rules, Payments & Options (2026)
- Can You Get a Mortgage at 65? Yes: Age Rules, Payments & Options (2026)
- Can You Get a Mortgage at 70? Yes: Age Rules, Payments & Options (2026)
Last updated 2026-10-16. Data only, not financial or tax advice.