13 MORTGAGE NEWSLETTER Our expert underwriters will look at your clients’ full range of income and assets, ensuring they get a mortgage that works for them. Real-life flexibility for real-life clients To bring this to life, Emma and Liam from our client profiles are a great example of how we offer flexible lending for older borrowers. They’re in their early 60s with equity from a previous home and income from pensions, investments and part-time consultancy. They wanted to downsize and find a mortgage that didn’t hold them back. Mainstream lenders couldn’t make the numbers work - pension drawdowns and part-time income didn’t fit the automated models. But with our manual underwriting and flexible criteria, we looked at the full picture and found a solution. Our client profiles highlight real-world scenarios and challenges, reflecting the types of people we support every day. These profiles help illustrate the depth of our expertise and the flexibility of our solutions. Explore more here. This highlights the importance of working with a lender who assesses income holistically and understands the nuances of later-life financial planning. Let’s chat about your older clients Later life lending is evolving and it’s time for a more thoughtful approach. If you’re working with older clients we’re here to help: • Flexible criteria for older borrowers, including pension, investment, and rental income • Manual underwriting with real people making the decisions • Clear communication and proactive support from our expert, award-winning team Let’s make later life lending more accessible. Get in touch Chat to your nearest BDM Or call our broker support team on 01858 412345 Monday – Friday, 9am – 5pm. 1. https://www.ukfinance.org.uk/data-and-research/data/mortgages/ later-life-lending 2. https://www.mpamag.com/uk/mortgage-types/later-life-lending/ is-the-mortgage-industry-ageist-why-over-55-borrowers-arebeing-left-behind/526253
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