Age is just a number

Let us help you make the most of your retirement


We’re here to help

  • No maximum age caps, giving you more options in later life
  • Monthly payments that don’t change
  • Short early repayment charge to give flexibility


Unlock the equity in your home

Free up some money to enjoy a financially responsible retirement, whilst staying in the home you love.

Take back your borrowing power

For us, age is just a number. We’ve removed age limits to give you more options.

Predictable mortgage payments

You will never have to worry about your payments going up. Meaning you can plan for the future.

How much can I borrow?

This depends on a couple of things. We’ll need to look at the amount you earn and how much you spend. We do this to make sure you (and anyone else you’re buying a home with) can afford the mortgage.

How do I apply?

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

Flexibility matters

We get it. Fixing your rate for 15-40 years is a long time. You don’t know how your life will look in that time. And that’s why we’ve made sure our mortgage product comes with flexibility as standard.

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

Later life blogs

8 February 2024

Ease your mortgage worries with Perenna’s Retirement Interest Only (RIO) mortgage

Are you among the over-55s worried about your mortgage's affordability? You're not alone. Read more
1 February 2024

Exploring interest-only and retirement interest-only mortgages

Considering a mortgage in your later years? Read more
24 January 2024

Revolutionising homeownership in later life

Welcome to the mortgage revolution Read more