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Lines are open Monday to Friday 9AM - 5PM, except Wednesday 9:30AM - 5PM

If you want to talk to us, please use one of the numbers below:

For new business enquires:

Sophie Gould: 01799 582923

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Holly Andrews: 01799 582885

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Mortgage Team: 01799 582966


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01799 582966 option 2
Head Office

Saffron House, 1A Market Street,
Saffron Walden,
Essex CB10 1HX.
Telephone: 01799 522211

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If you still require further help you can contact us on 01799 582966 and select option 2.


Saffron launches new Lending into Retirement mortgage for clients looking to downsize when the time comes

Option for loan to be repaid after borrowers have retired

Saffron Building Society has launched a new ‘Lending into Retirement Downsizing’ mortgage. This product gives brokers a golden opportunity to help service the lending requirements of an *increasing number of older households.

Saffron’s latest offering is an interest only mortgage, available to customers looking to borrow into their retirement. The product will allow customers to use downsizing as their repayment vehicle with the ability to repay the loan after they have retired. This repayment method and a wide variety of retirement incomes will be considered. All applications will be individually assessed by a skilled underwriter giving an efficient and personal service.
Applicants will need a minimum equity in their property of £250,000 however consideration will be given to applications below this equity level when alternative customer assets are in place or if it is appropriate to the location.

3 Year Discount Rate

Rate: 2.94% (SVR-2.7%) to 60% LTV
Arrangement fee: £999
Early Repayment Charge (ERC): 2% for 3 years
Loan: Min loan £30K, Max loan £1M
Term: Min mortgage term 5 years; Max mortgage term determined by ONS tables
Repayment: Interest only, overpayments of up to 10% allowed per annum without penalty
Purpose: For purchase or remortgaging

Anita Arch, Saffron Building Society’s Head of Mortgage Sales said: “Some people don’t think it’s possible to get a mortgage in their 50s and 60s as retirement approaches. At Saffron, we don’t believe you should be limited by your age and we like to be as flexible as possible. You may be approaching retirement and have seen a property you want to call home but lenders have already said no. We say, let’s talk further and see what we can do to help.”

Arch added: “Our ‘Lending into Retirement Downsizing’ mortgage is a standard interest only mortgage with a difference. As the name suggests, it is available to customers who are looking to borrow into their retirement. Our mortgage stands out as it allows you to use downsizing as a way to pay off your loan after you stop working.”

Full product details can be found here.
Brokers can easily submit a case via our online broker portal.

If you have any questions please speak with our Business Development Mangers, who will be happy to help:

Holly Andrews: 01799 582885
Katie Sharpe: 01799 582923
Gemma Reynolds: 01799 582925

*Older households set to rise: Daily Moneyfacts Bulletin, 21 September 2018 – The number of households in England is expected to rise by 4m (17%) over the next 25 years, according to the ONS, equating to 159,000 more households a year. Those headed by someone over 65 will make up 88% of this growth, with a rise of 54% predicted by 2041, while those headed by someone under 65 will grow just 3%.

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Best Service from a Mortgage Provider - Moneyfacts Awards 2014