Moving to a new home can be an exciting adventure and a fresh start. Whether you are upsizing, downsizing, or relocating, knowing your options can make your move smoother. 

At Perenna, we are here to help. Our long-term fixed-rate mortgages keep your monthly payments predictable, giving you peace of mind about your budget. 

What should you consider when moving? 

Moving to a new home is exciting, but there are a few things to keep in mind: 

• Managing costs: Moving costs can add up quickly. Create a budget for both moving and mortgage payments to stay on track. 

• Timing the move: Buying and selling at the same time can be tricky. Having a plan and staying flexible can make the process easier. 

• Emotions: Leaving behind memories can be tough. Take time to acknowledge your feelings and enjoy the fresh start. 

• Exploring your new area: Get to know the local area. Find local spots and amenities that will help you feel at home. 

• Building connections: Meeting new people takes time. If you’d like to feel part of a community, you could look for local clubs or events to help you settle in. 

• Handling paperwork: Moving comes with a lot of paperwork. Staying organised can help make it less stressful. Try using folders, making checklists, or setting reminders! 

• Packing and organising: Packing can feel like a big job. A checklist helps keep you on track, and make sure you have essentials to hand.  Remember, there’s no rush to unpack everything right away. 

• Meter readings: Taking readings in your new home is one of the first things you should do. This can help your utility companies make sure your bills are accurate. One less thing for you to worry about!  

Keeping these things in mind, you now need to think about the right mortgage for you. Let’s see how Perenna can help you with this transition. 

Why choose Perenna? 

At Perenna, we are committed to helping you every step of the way. Here is what makes us different: 

Payment certainty 

Fixing your rate for the full mortgage term means you don’t have to worry about your payments going up. So you can plan for the future. 

Flexibility as standard 

You can take your mortgage with you when you move home. After five years, if you’d like to change your mortgage deal, there’s no early repayment charge. 

No age limits 

For Perenna, age is just a number. That’s why we’ve removed age limits. Instead, we assess your mortgage application on your property value and your ability to repay. 

Take the next step with Perenna and explore our mortgages today. We can help you move forward with confidence! 

Correct at time of publishing.

At Perenna, we believe that everyone deserves to build their life without the worry of fluctuating mortgage rates. That is why we have made it our mission to turn the mortgage world upside down, creating a nation of happy homeowners, one mortgage at a time. 

In our new brand video, we share our journey and passion for change. We want to put you back in control of your finances, allowing you to defend your right to build the life you want. 

Watch our video to see how Perenna is fixing things. Join the mortgage revolution today! 

Correct at time of publishing.

That is why we’re thrilled to unveil Deposit Unlock. This is a ground breaking scheme that brings your dream of owning a new build home within reach. 

Here’s what Perenna Deposit Unlock offers: 

• No more daunting deposit needs. With just a 5% deposit, you can buy your new build home. 
• Flexibility in funding your deposit. Whether it’s your savings, developer incentives, or a mix, we make the journey to owning a home much easier. 
• First-time buyer or moving home? Deposit Unlock can help open that new build door.  

Are you ready to take the first step to your dream home? Our mortgages are available through brokers only. We can help you find a broker to provide advice on your mortgage needs. Plus, they’ll know all about our range, so can answer any questions you may have.  

Find out more about Deposit Unlock and take that first step towards your dream home!  

How much can you borrow?  

To help you understand how a Deposit Unlock mortgage works, here is an example. 

If you buy a house for £200,000, with a 5% deposit of £10,000, you would need a repayment mortgage of £190,000. 

If you repay this mortgage over 40 years on a fixed interest rate of 6.49% this would require 479 payments of £1,111.01, plus 1 payment of £1121.08.  

The total amount payable is £533,534.87 made up of the loan amount plus interest of £343,584.87 and a funds transfer fee of £15.00. The overall cost for comparison is 6.7% APRC representative.¹

Want to find out if Perenna could help you? Why not use our calculator to find out how much you could borrow? It’s completely confidential, does not affect your credit score and should only take a few minutes.

You could lose your home if you don’t keep up your mortgage repayments.

¹ Based on a Mortgage Illustration which was produced on 16 April 2024. The information remains valid until 16 April 2024. After that date, it may change in line with market conditions 

 Correct at time of publishing

We want to make it easier to buy a new build home.  

That’s why we’ve launched our Own New Rate Reducer Mortgage.  

What is Own New?

Own New is an initiative that helps create lower rate mortgages for new build homes. Funded by housebuilders who pay a small fee on completion of the sale, there is no cost to you as the buyer. This means you get a normal mortgage and own 100% of your home. 

Who benefits? 

Whether you’re looking to get your foot on the property ladder for the first time, or thinking about buying your next home, Own New could help make that happen. It is available across regions, with many builders participating.  

Perenna Own New perks… 

No teaser rates here! With the Perenna Own New Rate Reducer mortgage, you can enjoy a fixed, lower rate for the entire mortgage term. 

Plus, you will receive all the usual benefits of a Perenna mortgage like increased borrowing power, monthly payments that don’t change, short early repayment charge and no maximum age caps! 

How to secure your Own New mortgage 

Securing your Own New mortgage is straightforward. If the developer of your new build home offers ‘Own New’, they will be able to put you in touch with an approved Own New broker. The broker can talk to you about mortgage options available to you, including a Perenna Own New Rate Reducer mortgage. Check out Own New to find out more.  

How much can you borrow? 

Want to find out if Perenna could help you? Why not use our calculator to find out how much you could borrow? It’s completely confidential, does not affect your credit score and should only take a few minutes. 

You could lose your home if you don’t keep up your mortgage repayments.

Correct at time of publishing.

Octopus has created a first-of-its-kind energy tariff providing zero bills for at least five years, guaranteed. This is available on brand new, specially built Zero Bills™ homes (limits and exclusions apply). These properties are installed with a combination of renewable technologies to ensure they minimise the amount of energy they consume each year. As a result, they will be some of the most environmentally friendly homes in the country.  

Perenna has developed a mortgage designed to go hand in hand with these Zero Bills™ homes. 

With a Zero Bills Mortgage, homeowners will receive all the usual benefits of a Perenna mortgage, meaning they can enjoy monthly payments that don’t change, with a short early repayment charge to give flexibility. And, because we know they won’t have energy costs, they can responsibly borrow more with us. By offering a rate discount, we’re proud to reward borrowers for buying a sustainable home and supporting the green energy revolution.  

Our partnership helps homeowners save money whilst reducing their carbon footprint, marking a big step in our goal to change mortgages and promote sustainable living. 

Our Sustainability Lead, Mike, says our partnership is a game-changer for sustainable homeownership. He explains how it helps homeowners and the environment: 

‘’Octopus is leading the way on how new properties should be built to minimise their carbon footprint going forward. This new tariff from Octopus is revolutionary, and we’re excited to have launched a mortgage which helps homeowners get the most from it. 

The combination of a Perenna Zero Bills  Mortgage on an Octopus Zero Bills™ property is a unique proposition for homeowners. Both energy prices and mortgage rates have been incredibly volatile over the past few years, and we’re proud to give consumers an option which removes this uncertainty going forward.’’

Looking ahead, the future of sustainable homeownership is brighter than ever. Our Zero Bills mortgage is just the start. Keep an eye out for more ways we are improving things for Perenna customers as we look to build a greener and more sustainable future. 

If you’d like to find out more, take a look at our Zero Bills Mortgage page.

You could lose your home if you don’t keep up your mortgage repayments. 

Correct at time of publishing.

To celebrate this year’s International Women’s Day (IWD), Perenna is thrilled to announce a special initiative in line with this year’s campaign theme, ‘Inspire Inclusion.’ This initiative aims to highlight the experiences and contributions of the women at Perenna, showcasing their roles, experiences, and perspectives. 

At Perenna, we recognise the importance of fostering an inclusive environment where our employees feel valued and empowered. In celebration of International Women’s Day, we are excited to introduce a short Q&A featuring some of the incredible women at Perenna. 

Foreword from Aniq, Chief Communications Officer

As we celebrate International Women’s Day at Perenna, it’s crucial to reflect on the values of inclusivity and empowerment that define our company culture. Our commitment to creating an environment where everyone feels supported and valued is paramount. 

At Perenna, we understand the importance of providing opportunities for women to thrive and succeed in their careers. By fostering a culture of inclusivity, we not only empower our  employees but also create a stronger, more diverse workforce. 

Q&A 

Mikaela, Mortgage Operations Governance Manager at Perenna 

How has your experience at Perenna inspired your sense of inclusion?

At Perenna I’ve had the opportunity to engage with a diverse group of individuals who all bring unique perspectives and experiences. This has reinforced my understanding of the importance of embracing differences and highlighted how inclusivity powers creativity and innovation. 

Can you share a moment where you felt empowered at work? 

Before joining Perenna I had worked for the same company since leaving school. Taking that initial leap, trusting my own capabilities, working through daily challenges, and helping the team here reach huge milestones has shown me that I can really do anything I put my mind to. 

What do you think is important for a diverse and inclusive workplace?

Encouraging everyone to be themselves. Create a culture at work where everyone feels like their voice is valued and heard. 

How will you inspire inclusion?

By listening. By talking about it. By educating myself. By encouraging collaboration. 

Michelle, Head of Programme Delivery at Perenna 

How has your experience at Perenna inspired your sense of inclusion?

The hybrid and flexible working practises that have been adopted are inclusive, this way of working allows the Perenna team to work in a way which supports individual lifestyles and choices. 

Can you share a moment where you felt empowered at work?

I feel empowered at Perenna as the working style is autonomous, I’m trusted to manage and work with my team to get a multitude of projects delivered in fast paced environment. 

What do you think is important for a diverse and inclusive workplace?

Recognition that there is always opportunity to do more, from small things like making language used more inclusive, to broader activities like taking time to listen and learning from people’s experiences. Everyone should be involved in creating an environment where team members feel they are able to bring their entire selves in to the workplace. 

How will you inspire inclusion?

For me to inspiring inclusion starts with fostering an environment that encourages openness, when interacting with team members I want them to feel valued and respected. My approach is to actively encourage open dialogue and collaboration among team members, emphasising the importance of every individual’s contribution. 

Gemma, Head of Marketing at Perenna

How has your experience at Perenna inspired your sense of inclusion?

Perenna has supported me in creating a flexible working pattern that helps me to create the right work/life balance for me and my young family. This has made me feel valued in my role, where my working pattern does not undermine my contribution to the business.  

Can you share a moment where you felt empowered at work?

I have had many opportunities to engage and collaborate with teams and individuals across the business. Within a short time of working at Perenna, I had the opportunity to present my recommendations to the Board, which made me feel that my personal views and contributions were valued.  

What do you think is important for a diverse and inclusive workplace?

I think it’s important to create a culture that encourages open and safe communication whilst providing opportunities for cross-team collaboration.  I think a positive culture in the workplace is achieved when individuals feel that their opinions are heard and valued. 

How will you inspire inclusion?

I think ‘respect’ and ‘trust’ are crucial in building the foundation to inclusion. For me, this means encouraging honest and open communication, where people feel empowered to share their views and ideas without judgement. But most importantly, really taking the time to listen, so that individuals feel valued. We are all different. We have different perspectives, insights and experiences and it’s important to embrace these differences to foster a positive working environment.  

Kasia, Head of Conduct Compliance at Perenna 

How has your experience at Perenna inspired your sense of inclusion?

People feel included when they’re kept informed.  My experience at Perenna has taught me how to strike the right balance with keeping people informed so that they feel part of the journey.  

Can you share a moment where you felt empowered at work?

I recently felt empowered at work when I had the full picture of an issue I was dealing with.  It’s a lot easier to troubleshoot an issue and reach a successful conclusion when you have the full picture. 

What do you think is important for a diverse and inclusive workplace?

I think it’s important to understand people’s strengths and encourage them into roles that leverage those strengths.  I think this supports a diverse and inclusive workplace. 

How will you inspire inclusion?

I try to inspire inclusion by being open and honest, and hope that gives others the confidence to behave similarly. 

Deborah Reeves, National Account Manager at Perenna

How has your experience at Perenna inspired your sense of inclusion?

Inclusion happens so naturally at Perenna, it’s not something that is over engineered at all and for me that is the best kind of inclusion! Opinion is sought and views are welcomed from all roles across the business. There is a genuine sense that we are ‘in this together’ with everyone targeting the wider goal. The aim itself is inclusive, ‘homeownership where everyone who can afford a home can own one’, so it runs though the organisation by design. 

Can you share a moment where you felt empowered at work?

As part of my induction meetings were booked with each of the Co-Founders, it was during these meetings I immediately knew I was empowered and trusted to do a job! The meetings were not just a formality (could have been seen that way!) but valuable time where they each took the time to get to know me, ask my viewpoint on not only company but industry hot topics. This didn’t stop after these ‘intros’ and that consultative approach is business as usual. I am empowered as know I have a voice and the autonomy to make a difference in this business. 

What do you think is important for a diverse and inclusive workplace?

Collaboration and the success this generates only comes from varied perspectives – a diverse and inclusive group will lead to healthy challenge and considered output.   

How will you inspire inclusion?

I am instinctively very interested in people (nosey, maybe!) This means I actively seek out views and understand the value in looking through an alternative lens. As a natural reflector it is important to me to be considered and look to the use the strengths of those around me rather than going out on a limb. I like to think I approach each day with an open mind! 

As we celebrate International Women’s Day, let us reflect on the insights and experiences shared by the women of Perenna. Their stories inspire us to continue fostering an inclusive environment where every voice is heard and valued.  Thank you to Gemma, Michelle, Kasia, Deborah and Mikaela for sharing their perspectives and contributing to our journey of Inspire Inclusion at Perenna.

Correct at time of publishing.

Are you struggling with the idea of buying your first home? Are you finding getting a mortgage a painful experience? You’re not alone! 

Our recent research shows that many first-time buyers find the process daunting.  Nearly two-thirds of first-time buyers (62%) have faced difficulties securing a large enough mortgage to buy. And 68% say this is because of their income. Rules about how much they can borrow based on their income make it hard. In fact, 42% say the painful experience of securing a mortgage is putting them off buying a home. 

Given the challenges, it’s understandable that buying a home can be tough, especially in places like London where house prices are 34% higher than the UK average![1] 

Because of these hurdles, 50% of people delay big life events, like getting married or starting a family, trying to save up for a house.  

Two in five (40%) believe that mortgage lenders need to better support first-time buyers by allowing greater borrowing power. Almost half (48%) agreed that if there was a mortgage that allowed them to borrow more to buy, they would find this attractive.  

That’s where we come in. We have a solution with our long-term fixed-rate mortgages from 15 to 40 years. We offer a stable, achievable pathway to owning your own home.  

Arjan Verbeek, Perenna’s CEO and co-founder, stresses the need to tackle challenges for first-time homebuyers. “It’s a travesty younger people are put off from one of the most rewarding experiences in life, becoming a homeowner. Seeing mortgage payments shoot up for millions of people because of how traditional mortgages work will of course put off many would be homebuyers. We need to change this trajectory urgently.   

We believe everyone deserves a chance to own their home and enjoy living in it without worry. Longer-term fixed-rate mortgages are part of this solution, providing greater borrowing power, and stability through payments that don’t shoot up, a far cry from the way traditional high street mortgages work. Perenna’s goal is to make homeownership a reality for first-time buyers and make us a nation of happy homeowners.” 

Are you ready to start your homeownership journey? Want to find out if Perenna could help you? Use our calculator to find out how much you could borrow. It is completely confidential, does not affect your credit score and should only take a few minutes. 

You could lose your home if you don’t keep up your mortgage repayments. 

Notes: 

All data, unless otherwise specified, is taken from 1,025 respondents conducted by Censuswide in January 2024 – all respondents were first-time buyers or those looking to buy their first home.  

Censuswide abide by and employ members of the Market Research Society which is based on the ESOMAR principles.  

 [1] Zoopla HPI January 2024 

N.B rates and content correct at time of publication

Our latest research sheds light on the financial anxieties faced by this demographic regarding mortgage affordability and accessibility. 

Six in ten (60%) of over 55s report a lack of choice and mortgage products tailored to them and over a third (36%) believe their mortgage is restrictive because of their age. 

According to our findings, over a quarter of over-55s (28%) express concerns about affording their mortgage, particularly if it moves to their lender’s Standard Variable Rate (SVR). An extra 36% expect difficulties in managing repayments, bringing the total to almost two-thirds (64%) who may face financial strain. 

 This financial pressure can lead to tough decisions for borrowers later in life. 

Many are left with limited options and are considering selling or downsizing their homes to address their financial challenges. In fact, more than a third (37%) are considering selling their homes to relocate or downsize, with this figure rising to nearly half (48%) in London. 

Traditionally lenders’ age limit restrictions worsen the situation, with nearly two-thirds (60%) of respondents expressing concerns about the lack of tailored financial products for older borrowers. Thirty-six percent feel excluded from the market due to age restrictions, finding their mortgage options restrictive. 

These financial worries not only impact homeowners’ financial stability but also affect their lifestyle choices. Our research reveals that nearly a fifth (18%) of respondent’s report that mortgage repayments have limited their ability to travel or engage in leisure activities.  

Additionally, 17% express concerns about financial stability, while 9% have postponed retirement plans to focus on mortgage repayment. 

 At Perenna, we believe in providing solutions that offer flexibility and give borrowers more options. That’s why we’ve launched our Retirement Interest Only (RIO) mortgage for those aged over 50, featuring a long-term fixed-rate. Starting at a market leading long-term fixed-rate of 5.84% (up to a maximum 60% LTV), our RIO mortgage provides the security of fixed payments over an extended term, ensuring homeowners can enjoy retirement with peace of mind. 

Our CEO and co-founder of Perenna, Arjan Verbeek, emphasised the need for inclusivity in the mortgage market, particularly for older demographics. He stated, “The current UK mortgage market is ageist. A whole demographic is being unfairly excluded and left behind, because of their age. We think that is wrong.“ 

The lack of options for people over 55, compounded by fears of being trapped on their provider’s SVR, is a significant concern. Verbeek continued, “Retirees should have solutions available to live the lives they desire and deserve. Our new long-term fixed-rate retirement interest-only mortgage is a step towards financial freedom for older homeowners.” 

Our new long-term fixed-rate retirement interest-only mortgage is a step towards financial freedom for older homeowners.  

Want to find out more?   

Our mortgages are currently available through mortgage brokers only. So, if you’d like some mortgage advice, that’s no problem. We can help find someone near you. They’ll provide tailored advice based on your mortgage needs. Plus, they’ll know all about our mortgages, so can answer any questions you may have.  

Find a broker. 

 You could lose your home if you don’t keep up your mortgage repayments. 

Notes 

• All data, unless otherwise specified, is taken from 1,003 respondents conducted by Censuswide in January 2024 – all respondents were homeowners aged 55+ and either heading into retirement or already retired. 
• Censuswide abide by and employ members of the Market Research Society which is based on the ESOMAR principles. 
• “Market leading” – determined by lowest fixed for life retirement interest only product on the market as of 4 February 2024 https://www.equityreleasesupermarket.com/compare-deals/retirement-interest-only 
• End of term age limit – this refers to the age by which the borrower has repaid their mortgage. 

All information correct at time of publication

We’re excited to share that Perenna is part of the UK Government’s Green Home Finance Accelerator (GHFA) competition, aiming to speed up the UK’s move towards lower carbon homes. 

Teaming up with Heatio and Energy Systems Catapult, we’ve secured grant funding to develop and launch the Perenna Retrofit Mortgage – a long-term fixed rate mortgage which offers the reward of a lower mortgage rate for customers who retrofit.  

This exciting development marks the next phase in the Accelerator competition. The Pilot Phase will see Perenna introduce this innovative product to the market and evaluate its effectiveness in motivating homeowners to undertake retrofitting projects. 

We know that nearly every existing property in the UK, equivalent to 29 million homes, will require some form of retrofit. This underscores the challenge of decarbonizing homes to mitigate climate change, and the urgency with which we need to get going. 

This project aims to address significant obstacles to reducing carbon emissions in UK properties by rewarding homeowners for taking action and helping them understand which measures are right for their homes. 

Unlike conventional green mortgages, the Perenna Retrofit Mortgage will target homes in need of upgrading rather than those which are already efficient. The product will give consumers all the advantages of our flexible long-term fixed-rate mortgage, launched in Q4 2023, along with the benefit of a Green Discount. Upon completing a qualifying retrofit, customers will enjoy a lower mortgage rate and reduced monthly payments for the remainder of their term. 

Our ‘Green Discount’ will serves as a significant incentive for homeowners to undertake retrofits, potentially saving them over £60 per month, £720 per year, and £21,600 over 30 years (assuming they don’t remortgage). This combined with energy bill savings makes the business case for home retrofits more appealing to a broader range of homeowners. 

As part of the GHFA project, Perenna will also provide customers with the option to incorporate a data-driven, digital approach to energy assessment, facilitated by a home energy management system (HEMS) from Heatio. In addition, upon the product’s launch, Energy Systems Catapult will conduct qualitative and quantitative research to assess the consumer experience at key touchpoints.  

This GHFA project is funded by the Net Zero Innovation Portfolio (NZIP) under the Department for Energy Security & Net Zero. The GHFA was established to facilitate the creation of innovative green finance products that promote domestic energy efficiency improvements and the installation of low-carbon technologies. 

The project’s duration is set for 12 months, with the consortium aiming to launch the pilot in summer 2024. 

Perenna’s founder and CEO, Arjan Verbeek, said, “Perenna wants to change the narrative on renewable energy technologies. There are too many obstacles currently to retrofitting a property, with confusing offers and unclear steps on what to do. This needs to change if we want to solve one of the biggest challenges for achieving net zero. 

“We are delighted to be part of the Green Home Finance Accelerator and have the opportunity to work with Heatio and Energy Systems Catapult to pilot an innovative mortgage product that combines long term security with improvements in home energy efficiency.” 

Thomas Farquhar, Co-Founder of Heatio, emphasised the significance of incentivising energy-efficient home improvements. “Our initiative with Perenna and Energy Systems Catapult is a bold step towards making energy-efficient upgrades not only financially accessible but also rewarding. It’s important that we convey the idea that decarbonisation is not only achievable but beneficial. By making the transition to alternative heat and energy sources more seamless and appealing to homeowners we can drive forward the enthusiasm of homeowners to participate.” 

Energy Systems Catapult, Homes business lead, Rebecca Sweeney, said: “During the first phase of the pilot, Energy Systems Catapult partnered with Perenna to gather key consumer insights from around 1,000 homeowners and potential homeowners to determine what would most appeal when considering longer term green mortgage. During the second phase we will conduct both qualitative and quantitative research to really get under the skin of the real-world consumer experience, to ensure the retrofit improvements match the quality of the financing product.” 

 References 

1 – 29m homes reference – https://ukgbc.org/our-work/retrofit/  

2 – £250bn reference – UK Climate Change Committee, 6th Carbon Budget (Dec 2020), https://www.theccc.org.uk/publication/sixth-carbon-budget/  

3 – Savings reference – 

 Source: Perenna calculations 

For further information about Perenna or interview requests, please contact perenna@mhpgroup.com. 

Correct at time of publishing.

Owning a home in your later years can bring security. However, as retirement approaches, it can get tricky. Often, mortgage options are limited. Many high street lenders are now unwilling to allow a mortgage to extend beyond normal retirement date. Even though many people now plan to work to age 70 and beyond or will have regular reliable pension income.

But there are products out there to help.  

Here at Perenna, age is just a number. That’s why we don’t apply age limits to our products. Instead, we assess mortgage applications on property value and whether the monthly payments are affordable (maximum loan to value limits may apply).  

And for those borrowers looking to keep their monthly payments down, we can offer interest-only options. Let’s explore… 

Interest-only options allow people to borrow against their home but only pay back the interest each month. The original amount borrowed is still due at the end of the agreed term. For those people looking for an option in later life, there’s retirement interest-only (RIO) products too.

What’s the difference between a RIO and regular interest-only mortgage?  

The truth is, they can seem similar. That’s because, for both, you only need to repay the interest each month. However, with a standard interest-only product, you will need to show how you’ll pay off the loan at the end of the mortgage term. This could be through savings or selling your home for example.

With a RIO product, you don’t need to repay your loan until you, or if it’s a joint mortgage, the last remaining one of you dies or decides to live elsewhere long term. For example, if you move into a residential home.

For a Perenna RIO mortgage, the other key difference is that they are only available to borrowers over the age of 50.

Why choose a later life mortgage? 

There are many reasons people may want a mortgage into retirement. It could be to support their lifestyle or to pay for home improvements. It could lower monthly payments. Or for some, it may allow them to stay in the home they love.  

Looking at a RIO option can help with all of these things. It can also lower those monthly repayments. And this can help to remove that worry and focus on enjoying life.  

How can Perenna help? 

We want to help homeowners make the most of their retirement. That’s why we’re proud to provide options to those who are looking for mortgages whilst they’re enjoying their golden years.  

A Perenna RIO mortgage is available to borrowers over the age of 50, up to 60% loan to value. 

Want to find out more?  

Our mortgages are currently available through mortgage brokers only. So, if you’d like some mortgage advice, that’s no problem. We can help find someone near you. They’ll provide tailored advice based on your mortgage needs. Plus, they’ll know all about our mortgages, so can answer any questions you may have. 

Find a broker 

You could lose your home if you don’t keep up your mortgage repayments.

Correct at time of publishing.