MEET EMMA AND LIAM

Emma, 62, and Liam, 64, are embracing a new phase in their lives. After raising their family and building successful careers, Emma as a teacher and Liam as a financial consultant, they’re looking to downsize their family home and relocate to the countryside. Emma and Liam are active retirees, with plenty of plans for travel, hobbies, and spending time with their grandchildren. They want a new home that’s comfortable, low-maintenance, and within reach of amenities and close to nature.

Their unique circumstances

While Emma and Liam are now retired, they have a solid income base from pensions, investments, and part-time consulting work Liam continues to do. They’re both passionate about making the most of this next chapter, and they want a mortgage that won’t hold them back.

The couple is looking for a lender who understands that later-life borrowers still have significant financial potential. They need flexibility in terms and a lender who’s willing to look beyond their age and see the full scope of their financial picture.

Let’s hear from them…

How we make ‘downsizing without compromising’ a reality

We’re proud to support later-life borrowers with flexible lending terms, understanding that financial ambition doesn’t stop at 55. Our expert underwriters will look at the full range of income and assets Emma and Liam have accumulated over the years, ensuring they get a mortgage that works for them. Whether they’re downsizing, releasing capital, or making plans to update their living space to fit their changing needs, we offer solutions with clear guidance and straightforward terms.

Emma and Liam can move forward with confidence, knowing they have a lender who supports their lifestyle choices and long-term goals, no matter their age.

If you’re helping clients find financial flexibility into retirement, talk to your nearest BDM about how we can help.