RIO Mortgages | Interest Only Retirement Mortgage Brokers

Retirement Interest Only (RIO) Mortgage

Retirement interest-only mortgages, also called RIO mortgages, are products designed for older borrowers who want to carry on paying their mortgage interest but may not meet the lending criteria for a standard mortgage.

Retirement Interest Only Mortgage

With a RIO mortgage you only pay the interest each month, and no repayment is made towards the capital itself.

A RIO mortgage can be arranged if you intend to purchase a new home, pay off a previous mortgage or plan to release equity to enjoy your retirement. It is also a common solution if you intend to gift money to family as part of inheritance tax planning.

RIO mortgages are also popular options for joint applicants because it offers greater flexibility and won’t force out a partner if the other passes or moves into care.

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Service excellence is at the heart of our business. We are renowned for our highly personal and bespoke approach to securing property finance for our clients, ensuring you feel in control and confident throughout your investment journey.



We thrive in complex, challenging scenarios and work creatively in our negotiations with our trusted network of mainstream, private and specialist lenders to ensure we always secure the best possible outcome for your circumstances.



We mean it when we say we see you as a valued partner. Our relationship with you is important to us and our team will continue to serve as your personal property adviser long after your first deal with us is completed and over the line.

Later life finance for clients with a secure retirement income, for example employment or pension.

RIO mortgages can be an excellent solution for later life borrowing but the application process is slightly more stringent when compared to equity release. This is because you’ll need to prove your affordability to maintain the monthly payments.

RIO mortgages factor in the value of your home, and you’ll service the interest during the lifetime of the loan. This often means that there is more capital remaining in the property to pass on through inheritance, and considered to be a significant benefit to many.

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Retirement income flexibility

Aged 50 or over? Secure a retirement Interest Only Mortgage with LDN Finance.

At LDN Finance we excel at arranging finance solutions for a range of scenarios to help clients release equity from their properties.

Working closely with trusted lenders, we can help you secure the most suitable later life lending solution to suit your needs and future retirement plans. Get it touch with our mortgage experts to discuss the options available to you.

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Contact our professional and experienced residential mortgage advisers and start your property finance journey today.

Prefer to chat? Call us on 020 3903 9875

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