Borrowing at 65, 70 and over
In retirement you may still have a project: buy, help a relative, redo a bathroom, restructure credit. Borrowing remains possible in some cases, with suitable solutions.
What changes after 65
Pension income is taken into account like other income. Borrower insurance often becomes more restrictive, which leads to shorter terms or additional guarantees.
- Generally shorter terms
- Importance of existing assets
- Alternative security: mortgage, pledge
- Option of a younger co-borrower
Solutions to review
Short-term amortising loan, secured loan, lifetime mortgage, financing backed by savings or an existing property. The best option depends on the project and the legacy you want.
Think about inheritance
A loan has consequences for the estate. Discuss it with relatives and your notary.
Tell us in a few clicks what you want to finance.
Frequently asked questions
Can I borrow at 70?
Sometimes, especially with existing assets or a suitable guarantee. Each file is reviewed individually.
Is a mortgage possible in retirement?
Yes, pensions count as income. Conditions depend on lender and insurer.
Let’s talk about your project
A few questions, a personalised review, a clear answer.