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Turning 50 shouldn’t mean having fewer mortgage options. April gives you more ways to support clients aged 50 and over, with lending that reflects how they earn, how they want to repay and the flexibility they may need.
We can consider earned, pension, investment and rental income, alongside Capital & Interest, Interest Only+ and Part & Part options. Family support with JBSP+ can strengthen affordability, backed by human-led underwriting that considers each client’s individual circumstances.
Income in your 50s rarely comes from one place. We can consider earned, pension, investment and rental income, helping you build affordability around your client’s real financial position.
See how much your client could borrow with our simple AffordAbility+ Calculator.
More ways to structure the mortgage around your client’s plans, including Capital & Interest, Interest Only+ and Part & Part, subject to an acceptable repayment strategy where required.
Explore Interest Only+ and the repayment options available for your 50+ clients.
Where family members want to help, JBSP+ can bring additional incomes into the affordability assessment while keeping property ownership with one borrower.
Explore family support with JBSP+ and see how additional incomes could strengthen affordability.
Unlimited overpayments, automatic rate reductions as the mortgage moves into a lower LTV band, and no early repayment charges when moving home or repaying from the client’s own funds.
Explore The Plus Comes as Standard and the flexibility built into every April mortgage.
All Joint Borrower Sole Proprietor borrowers are responsible for repayments, whether or not they own the property. Interest Only mortgages require a suitable strategy to repay the capital at the end of the term. Applications are subject to affordability and lending criteria. The home may be repossessed if repayments are not maintained.
April Mortgages Limited. Registered Office: 158-160 North Gower Street, London, NW1 2ND. Registered in England and Wales company number: 13514833. April Mortgages Limited is authorised and regulated by the Financial Conduct Authority (FRN 989666).
