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SELECT * FROM (SELECT * FROM wp_auto_internal_log WHERE INSTR(' <div data-elementor-type="wp-page" data-elementor-id="9754" class="elementor elementor-9754" data-elementor-post-type="page"> <section class="elementor-section elementor-top-section elementor-element elementor-element-df4ba91 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="df4ba91" data-element_type="section" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}"> <div class="elementor-background-overlay"></div> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-bd281cd" data-id="bd281cd" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-5818d59 elementor-widget elementor-widget-heading" data-id="5818d59" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">Pensioner Interest Only Mortgages - Ultimate guide</h1> </div> </div> <div class="elementor-element elementor-element-2870a6a elementor-widget elementor-widget-text-editor" data-id="2870a6a" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p><span style="font-weight: 400;">Find out everything you need to know about Pensioner interest only mortgages in our in depth article.</span></p> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7035867" data-id="7035867" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-c936c71 elementor-button-align-stretch elementor-widget elementor-widget-global elementor-global-190 elementor-widget-form" data-id="c936c71" data-element_type="widget" data-settings="{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}" data-widget_type="form.default"> <div class="elementor-widget-container"> <form class="elementor-form" method="post" name="New Form"> <input type="hidden" name="post_id" value="9754"/> <input type="hidden" name="form_id" value="c936c71"/> <input type="hidden" name="referer_title" value="Pensioner Interest Only Mortgages - Albion Forest Mortgages" /> <input type="hidden" name="queried_id" value="9754"/> <div class="elementor-form-fields-wrapper elementor-labels-above"> <div class="elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100 elementor-field-required elementor-mark-required"> <label for="form-field-name" class="elementor-field-label"> Name </label> <input size="1" type="text" name="form_fields[name]" id="form-field-name" class="elementor-field elementor-size-sm elementor-field-textual" required="required" aria-required="true"> </div> <div class="elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required elementor-mark-required"> <label for="form-field-email" class="elementor-field-label"> Email </label> <input size="1" type="email" name="form_fields[email]" id="form-field-email" class="elementor-field elementor-size-sm elementor-field-textual" required="required" aria-required="true"> </div> <div class="elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_1 elementor-col-100 elementor-field-required elementor-mark-required"> <label for="form-field-field_1" class="elementor-field-label"> Phone </label> <input size="1" type="text" name="form_fields[field_1]" id="form-field-field_1" class="elementor-field elementor-size-sm elementor-field-textual" required="required" aria-required="true"> </div> <div class="elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-field_51fb3e8 elementor-col-100"> <label for="form-field-field_51fb3e8" class="elementor-field-label"> Message </label> <textarea class="elementor-field-textual elementor-field elementor-size-sm" name="form_fields[field_51fb3e8]" id="form-field-field_51fb3e8" rows="4"></textarea> </div> <div class="elementor-field-type-recaptcha_v3 elementor-field-group elementor-column elementor-field-group-field_dc01947 elementor-col-100 recaptcha_v3-bottomleft"> <div class="elementor-field" id="form-field-field_dc01947"><div class="elementor-g-recaptcha" data-sitekey="6Ld2DHUgAAAAAMVXotSao5BofcLHiMLSK74xykwz" data-type="v3" data-action="Form" data-badge="bottomleft" data-size="invisible"></div></div> </div> <div class="elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons"> <button type="submit" class="elementor-button elementor-size-sm"> <span > <span class=" elementor-button-icon"> </span> <span class="elementor-button-text">Let's Get Started</span> </span> </button> </div> </div> </form> </div> </div> <div class="elementor-element elementor-element-1af4f54 elementor-widget elementor-widget-global elementor-global-194 elementor-widget-heading" data-id="1af4f54" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <p class="elementor-heading-title elementor-size-default">You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us or one of our trusted partners to discuss your mortgage requirements</p> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-eb00227 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="eb00227" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ef95f03" data-id="ef95f03" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-03c06cf elementor-toc--minimized-on-desktop elementor-widget elementor-widget-table-of-contents" data-id="03c06cf" data-element_type="widget" data-settings="{&quot;headings_by_tags&quot;:[&quot;h2&quot;],&quot;exclude_headings_by_selector&quot;:[],&quot;minimized_on&quot;:&quot;desktop&quot;,&quot;marker_view&quot;:&quot;numbers&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}" data-widget_type="table-of-contents.default"> <div class="elementor-widget-container"> <div class="elementor-toc__header"> <h4 class="elementor-toc__header-title"> What's in this article </h4> <div class="elementor-toc__toggle-button elementor-toc__toggle-button--expand" role="button" tabindex="0" aria-controls="elementor-toc__03c06cf" aria-expanded="true" aria-label="Open table of contents"><i aria-hidden="true" class="fas fa-chevron-down"></i></div> <div class="elementor-toc__toggle-button elementor-toc__toggle-button--collapse" role="button" tabindex="0" aria-controls="elementor-toc__03c06cf" aria-expanded="true" aria-label="Close table of contents"><i aria-hidden="true" class="fas fa-chevron-up"></i></div> </div> <div id="elementor-toc__03c06cf" class="elementor-toc__body"> <div class="elementor-toc__spinner-container"> <i class="elementor-toc__spinner eicon-animation-spin eicon-loading" aria-hidden="true"></i> </div> </div> </div> </div> <div class="elementor-element elementor-element-4d86b9d elementor-widget elementor-widget-text-editor" data-id="4d86b9d" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400;">Pensioner interest only Mortgages: An Overview</span></h2><p><span style="font-weight: 400;">Pensioner interest only mortgages are becoming an increasingly popular financial product in the UK. These mortgages allow older homeowners to access equity in their homes by borrowing money against the value of their property. While these mortgages can be an attractive option for pensioners looking to supplement their </span><a href="https://www.gov.uk/plan-for-retirement" target="_blank" rel="noopener"><span style="font-weight: 400;">retirement</span></a><span style="font-weight: 400;"> income, they are not without risks.</span></p><h2><span style="font-weight: 400;">What are Pensioner interest only Mortgages?</span></h2><p><span style="font-weight: 400;">Pensioner interest only mortgages are a type of mortgage that is specifically designed for homeowners who are aged 55 and over. With this type of mortgage, borrowers only pay the interest on the loan each month. The loan itself is only repaid when the property is sold or the homeowner dies.</span></p><p><span style="font-weight: 400;">The amount that can be borrowed with a pensioner interest only mortgage is based on the value of the property and the borrower’s age. Lenders will typically offer a maximum loan-to-value (LTV) ratio of around 50%, which means that borrowers can borrow up to half of the value of their property.</span></p><h2><span style="font-weight: 400;">Who is eligible for a pensioner interest only mortgage in the UK?</span></h2><p><span style="font-weight: 400;">In order to be eligible you do not necessarily need to be a pensioner in the traditional sense of being over retirement age. This type of mortgage is generally available for people over 55+, in general you do need to be retired though.</span></p><h2><span style="font-weight: 400;">How to apply for a pensioner interest only mortgage in the UK</span></h2><p><span style="font-weight: 400;">There are 2 main ways to apply for a pensioner interest only mortgage. You can contact all the providers individually and see how much you can borrow and what their rates are and then apply with them directly. Alternatively you can contact a specialist pensioner interest only mortgage broker and they will do this for you.</span></p><p><span style="font-weight: 400;">There are also lenders that only allow applications via intermediaries or brokers. This is due to the complexity of the case and what it entails. Therefore it is often preferable to speak to a specialist rather than attempting this daunting task yourself.</span></p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-e071524 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="e071524" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e156e22" data-id="e156e22" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-20a2772 elementor-widget elementor-widget-image" data-id="20a2772" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="800" src="https://albionforest.co.uk/wp-content/uploads/2023/05/Pensioner-interest-only-mortgages-1-1024x1024.png" class="attachment-large size-large wp-image-9756" alt="pensioner interest only mortgages" srcset="https://albionforest.co.uk/wp-content/uploads/2023/05/Pensioner-interest-only-mortgages-1-1024x1024.png 1024w, https://albionforest.co.uk/wp-content/uploads/2023/05/Pensioner-interest-only-mortgages-1-300x300.png 300w, https://albionforest.co.uk/wp-content/uploads/2023/05/Pensioner-interest-only-mortgages-1-150x150.png 150w, https://albionforest.co.uk/wp-content/uploads/2023/05/Pensioner-interest-only-mortgages-1-768x768.png 768w, https://albionforest.co.uk/wp-content/uploads/2023/05/Pensioner-interest-only-mortgages-1.png 1080w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-256a71a" data-id="256a71a" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-e2d2aff elementor-widget elementor-widget-text-editor" data-id="e2d2aff" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400;">What happens at the end of a pensioner interest only mortgage term?</span></h2><p><span style="font-weight: 400;">At the end of a pensioner interest only mortgage, it is required to be paid off. Usually via sale of the property. This often means downsizing. However, this can often be the plan for most people anyway wanting to move to retirement properties or more accessible options later in life.</span></p><p><span style="font-weight: 400;">Whilst most people use sale of the property as their repayment method, the actual repayment method is usually up to the applicant as long as it is done on time. So if you have the funds via another means you are often not required to use the repayment method that you selected upon application.</span></p> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-285e011 elementor-widget elementor-widget-text-editor" data-id="285e011" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400;">The impact of age on pensioner interest only mortgage eligibility</span></h2><p><span style="font-weight: 400;">Unlike Equity release products, </span><a href="https://albionforest.co.uk/retirement-interest-only-mortgages/"><span style="font-weight: 400;">Retirement interest only mortgages</span></a><span style="font-weight: 400;"> are unlikely to be as affected by age. They do, however, have age restrictions as we’ve mentioned.</span></p><h2><span style="font-weight: 400;">What happens at the end of a pensioner interest only mortgage term?</span></h2><p><span style="font-weight: 400;">At the end of a pensioner interest only mortgage, it is required to be paid off. Usually via sale of the property. This often means downsizing. However, this can often be the plan for most people anyway wanting to move to retirement properties or more accessible options later in life.</span></p><p><span style="font-weight: 400;">Whilst most people use sale of the property as their repayment method, the actual repayment method is usually up to the applicant as long as it is done on time. So if you have the funds via another means you are often not required to use the repayment method that you selected upon application.</span></p><h2><span style="font-weight: 400;">How to find the best pensioner interest only mortgage lenders in the UK</span></h2><p><span style="font-weight: 400;">The lenders that offer pensioner interest only mortgages will vary as lenders add or remove products. The simplest method of finding the best mortgage lenders for this type of mortgage is to speak to a specialist mortgage broker for pensioner interest only mortgages.</span></p><h2><span style="font-weight: 400;">How to switch from a standard mortgage to a pensioner interest only mortgage</span></h2><p><span style="font-weight: 400;">This is relatively straight forward, much like a normal remortgage. You will select the product you wish to remortgage to, and instruct a solicitor to carry out the necessary conveyancing.</span></p><p><span style="font-weight: 400;">This process generally takes 6-8 weeks, but could be faster or slower depending on a variety of factors.</span></p><h2><span style="font-weight: 400;">What are the Pros and Cons of Pensioner interest only Mortgages?</span></h2><p><span style="font-weight: 400;">There are several advantages and disadvantages to consider when it comes to pensioner interest only mortgages.</span></p><h3><span style="font-weight: 400;">Pros:</span></h3><ol><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Access to equity: For many pensioners, their home is their most valuable asset. A pensioner interest only mortgage can allow them to access some of that equity without having to sell their home.</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Increased income: By borrowing against the value of their property, pensioners can supplement their retirement income.</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Flexibility: With a pensioner interest only mortgage, borrowers are only required to pay the interest on the loan each month. This can provide greater flexibility for those on a fixed income.</span></li></ol><h3><span style="font-weight: 400;">Cons:</span></h3><ol><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Risky investment: Borrowing against the value of a property is always a risky investment. The value of the property may not increase as much as anticipated, and in some cases, may even decrease.</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Uncertainty: With a pensioner interest only mortgage, the borrower is not required to pay back the loan until the property is sold or the homeowner dies. This can lead to uncertainty about how much the borrower will owe when the loan eventually comes due.</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Limited options: Pensioner interest only mortgages are not as widely available as other types of mortgages. This means that borrowers may have limited options when it comes to finding a lender.</span></li></ol><h2><span style="font-weight: 400;">How Do Pensioner interest only Mortgages Work?</span></h2><p><span style="font-weight: 400;">Pensioner interest only mortgages work by allowing borrowers to borrow money against the value of their property. The amount that can be borrowed is typically based on the value of the property and the borrower’s age. Lenders will typically offer a maximum LTV ratio of around 50%.</span></p><p><span style="font-weight: 400;">With a pensioner interest only mortgage, the borrower is only required to pay the interest on the loan each month. This can provide greater flexibility for those on a fixed income. The loan itself is only repaid when the property is sold or the homeowner dies.</span></p><p><span style="font-weight: 400;">When the loan eventually comes due, the borrower or their estate will need to repay the loan in full. This can be done by selling the property or by using other assets to repay the loan.</span></p><h2><span style="font-weight: 400;">How to Qualify for a Pensioner interest only Mortgage</span></h2><p><span style="font-weight: 400;">To qualify for a pensioner interest only mortgage, borrowers will typically need to meet the following criteria:</span></p><ol><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Age: Borrowers must be aged 55 or over.</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Income: Borrowers must be able to demonstrate that they can afford to pay the interest on the loan each month.</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Equity: Borrowers must have a certain amount of equity in their property. This will vary depending on the lender, but a minimum of around 50% equity is typically required.</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Property type: Pensioner interest only mortgages are typically only available for certain types of property, such as standard residential properties or retirement homes.</span></li></ol><h2><span style="font-weight: 400;">How to Compare Pensioner interest only Mortgages</span></h2><p><span style="font-weight: 400;">When comparing pensioner interest only mortgages, there are several factors to consider:</span></p><ol><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Interest rate: The interest rate will determine how much the borrower will need to pay each month. It’s important to compare interest rates from different lenders to find the best deal.</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Fees: Lenders may charge fees for arranging the mortgage or for early repayment. It’s important to understand all of the fees associated with the mortgage before committing to a lender.</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Repayment terms: The repayment terms will determine when the loan needs to be repaid. It’s important to understand the repayment terms and to make sure that they are suitable for the borrower’s needs.</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Eligibility criteria: Different lenders may have different eligibility criteria. It’s important to check that the borrower meets all of the lender’s criteria before applying for a mortgage.</span></li></ol><h2><span style="font-weight: 400;">Conclusion</span></h2><p><span style="font-weight: 400;">Pensioner interest only mortgages can be an attractive option for older homeowners looking to supplement their retirement income. However, they are not without risks. It’s important to carefully consider the pros and cons before deciding whether a pensioner interest only mortgage is right for you. If you’re considering this type of mortgage, it’s important to shop around and compare different lenders to find the best deal.</span></p> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a554568" data-id="a554568" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-a156e3d elementor-widget elementor-widget-template" data-id="a156e3d" data-element_type="widget" data-widget_type="template.default"> <div class="elementor-widget-container"> <div class="elementor-template"> <div data-elementor-type="section" data-elementor-id="970" class="elementor elementor-970" data-elementor-post-type="elementor_library"> <section class="elementor-section elementor-top-section elementor-element elementor-element-f3f5a50 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="f3f5a50" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e7b2309" data-id="e7b2309" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-d4d799a elementor-widget elementor-widget-global elementor-global-7981 elementor-widget-heading" data-id="d4d799a" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h5 class="elementor-heading-title elementor-size-default"><a href="https://g.page/r/CaUlvgKsZeoBEB0/review" target="_blank">Google Reviews - See More</a></h5> </div> </div> <div class="elementor-element elementor-element-9ed34e4 elementor-widget elementor-widget-html" data-id="9ed34e4" data-element_type="widget" data-widget_type="html.default"> <div class="elementor-widget-container"> <script src="https://apps.elfsight.com/p/platform.js" defer></script> <div class="elfsight-app-c4b3e3d9-fee0-4f09-9171-2d846caba232"></div> <script src="https://apps.elfsight.com/p/platform.js" defer></script> <div class="elfsight-app-1b08c970-2e04-438d-908a-3ad6eb7848fa"></div> </div> </div> <div class="elementor-element elementor-element-13c22a0 elementor-widget elementor-widget-global elementor-global-8290 elementor-widget-html" data-id="13c22a0" data-element_type="widget" data-widget_type="html.default"> <div class="elementor-widget-container"> <center><blockquote class="zenplayer" data-episode-href="https://zencastr.com/embed/BZuDVgDb" style="background: black; border-radius: 12px; font-family: system-ui; width: 240px; height: 240px; position: relative; color: white; margin: 0;"> <img decoding="async" style="width: 120px; display: inline-block; position: absolute; top: calc(50%); left: calc(50%); transform: translate(-50%, -50%);" src="data:image/svg+xml;base64,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/> <a href="https://zencastr.com/embed/BZuDVgDb" target="_blank" style="color: white; position: absolute; bottom: 12px; left: 50%; transform: translateX(-50%); text-decoration: none;" rel="noopener"> View on Zencastr </a></blockquote><script type="text/javascript" src="https://zencastr.com/static/js/embed-player.js"></script></center> </div> </div> <div class="elementor-element elementor-element-238a089 elementor-widget elementor-widget-image" data-id="238a089" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="601" height="1024" src="https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1.png" class="attachment-large size-large wp-image-7070" alt="" srcset="https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1.png 601w, https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1-176x300.png 176w" sizes="(max-width: 601px) 100vw, 601px" /> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-32c9a2a4 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="32c9a2a4" data-element_type="section"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-19e6d14e" data-id="19e6d14e" data-element_type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-417f5438 elementor-widget elementor-widget-heading" data-id="417f5438" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">Useful Links</h3> </div> </div> <div class="elementor-element elementor-element-6d5fcea5 footer-icon elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="6d5fcea5" data-element_type="widget" data-widget_type="icon-list.default"> <div class="elementor-widget-container"> <ul class="elementor-icon-list-items"> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Main Teachers Page</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/supply-teacher-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Supply Teachers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/nqt-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">NQT Mortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/mortgages-for-teachers-with-bad-credit/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Bad Credit for Teachers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/teacher-mortgage-first-time-buyer/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">First Time Buyer Teachers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/mortgages-for-retired-teachers/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Retired Teachers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/trainee-teacher-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Trainee Teachers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/teachers-mortgage-scheme/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Teachers Mortgage Scheme</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/teaching-assistant-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Teaching Assistant Mortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/mortgage-deals-for-teachers/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Mortgage Deals for Teachers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/teachers-building-society-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Teachers Building Society Mortgage</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/mortgage-help-for-teachers/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Mortgage Help For Teachers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/teachers-life-insurance/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Teachers Life Insurance</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/mortgage-broker-for-teachers/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Mortgage Broker for Teachers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/teacher-mortgages-faq/"> <span class="elementor-icon-list-icon"> </span> <span 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elementor-size-default">Why Albion Forest?</h3> </div> </div> <div class="elementor-element elementor-element-340c2d elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="340c2d" data-element_type="widget" data-widget_type="icon-list.default"> <div class="elementor-widget-container"> <ul class="elementor-icon-list-items"> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="fas fa-shield-alt"></i> </span> <span class="elementor-icon-list-text">Raising The standards of financial advice</span> </li> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="fas fa-network-wired"></i> </span> <span class="elementor-icon-list-text">Making financial advice accessible to all</span> </li> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="far fa-handshake"></i> </span> <span class="elementor-icon-list-text">Trusted &amp; stress-free financial advice</span> </li> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="fas fa-hand-holding-heart"></i> </span> <span class="elementor-icon-list-text">Friendly, personable advisors</span> </li> </ul> </div> </div> </div> </div> </div> </section> </div> </div> </div> </div> </div> </div> </div> </section> </div> ', keyword) > 0 UNION ALL SELECT * FROM wp_auto_internal_links WHERE INSTR(' <div data-elementor-type="wp-page" data-elementor-id="9754" class="elementor elementor-9754" data-elementor-post-type="page"> <section class="elementor-section elementor-top-section elementor-element elementor-element-df4ba91 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="df4ba91" data-element_type="section" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}"> <div class="elementor-background-overlay"></div> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-bd281cd" data-id="bd281cd" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-5818d59 elementor-widget elementor-widget-heading" data-id="5818d59" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">Pensioner Interest Only Mortgages - Ultimate guide</h1> </div> </div> <div class="elementor-element elementor-element-2870a6a elementor-widget elementor-widget-text-editor" data-id="2870a6a" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p><span style="font-weight: 400;">Find out everything you need to know about Pensioner interest only mortgages in our in depth article.</span></p> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7035867" data-id="7035867" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-c936c71 elementor-button-align-stretch elementor-widget elementor-widget-global elementor-global-190 elementor-widget-form" data-id="c936c71" data-element_type="widget" data-settings="{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}" data-widget_type="form.default"> <div class="elementor-widget-container"> <form class="elementor-form" method="post" name="New Form"> <input type="hidden" name="post_id" value="9754"/> <input type="hidden" name="form_id" 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Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us or one of our trusted partners to discuss your mortgage requirements</p> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-eb00227 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="eb00227" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ef95f03" data-id="ef95f03" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-03c06cf elementor-toc--minimized-on-desktop elementor-widget elementor-widget-table-of-contents" data-id="03c06cf" data-element_type="widget" data-settings="{&quot;headings_by_tags&quot;:[&quot;h2&quot;],&quot;exclude_headings_by_selector&quot;:[],&quot;minimized_on&quot;:&quot;desktop&quot;,&quot;marker_view&quot;:&quot;numbers&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}" data-widget_type="table-of-contents.default"> <div class="elementor-widget-container"> <div class="elementor-toc__header"> <h4 class="elementor-toc__header-title"> What's in this article </h4> <div class="elementor-toc__toggle-button elementor-toc__toggle-button--expand" role="button" tabindex="0" aria-controls="elementor-toc__03c06cf" aria-expanded="true" aria-label="Open table of contents"><i aria-hidden="true" class="fas fa-chevron-down"></i></div> <div class="elementor-toc__toggle-button elementor-toc__toggle-button--collapse" role="button" tabindex="0" aria-controls="elementor-toc__03c06cf" aria-expanded="true" aria-label="Close table of contents"><i aria-hidden="true" class="fas fa-chevron-up"></i></div> </div> <div id="elementor-toc__03c06cf" class="elementor-toc__body"> <div class="elementor-toc__spinner-container"> <i class="elementor-toc__spinner eicon-animation-spin eicon-loading" aria-hidden="true"></i> </div> </div> </div> </div> <div class="elementor-element elementor-element-4d86b9d elementor-widget elementor-widget-text-editor" data-id="4d86b9d" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400;">Pensioner interest only Mortgages: An Overview</span></h2><p><span style="font-weight: 400;">Pensioner interest only mortgages are becoming an increasingly popular financial product in the UK. These mortgages allow older homeowners to access equity in their homes by borrowing money against the value of their property. While these mortgages can be an attractive option for pensioners looking to supplement their </span><a href="https://www.gov.uk/plan-for-retirement" target="_blank" rel="noopener"><span style="font-weight: 400;">retirement</span></a><span style="font-weight: 400;"> income, they are not without risks.</span></p><h2><span style="font-weight: 400;">What are Pensioner interest only Mortgages?</span></h2><p><span style="font-weight: 400;">Pensioner interest only mortgages are a type of mortgage that is specifically designed for homeowners who are aged 55 and over. With this type of mortgage, borrowers only pay the interest on the loan each month. The loan itself is only repaid when the property is sold or the homeowner dies.</span></p><p><span style="font-weight: 400;">The amount that can be borrowed with a pensioner interest only mortgage is based on the value of the property and the borrower’s age. Lenders will typically offer a maximum loan-to-value (LTV) ratio of around 50%, which means that borrowers can borrow up to half of the value of their property.</span></p><h2><span style="font-weight: 400;">Who is eligible for a pensioner interest only mortgage in the UK?</span></h2><p><span style="font-weight: 400;">In order to be eligible you do not necessarily need to be a pensioner in the traditional sense of being over retirement age. This type of mortgage is generally available for people over 55+, in general you do need to be retired though.</span></p><h2><span style="font-weight: 400;">How to apply for a pensioner interest only mortgage in the UK</span></h2><p><span style="font-weight: 400;">There are 2 main ways to apply for a pensioner interest only mortgage. You can contact all the providers individually and see how much you can borrow and what their rates are and then apply with them directly. Alternatively you can contact a specialist pensioner interest only mortgage broker and they will do this for you.</span></p><p><span style="font-weight: 400;">There are also lenders that only allow applications via intermediaries or brokers. This is due to the complexity of the case and what it entails. Therefore it is often preferable to speak to a specialist rather than attempting this daunting task yourself.</span></p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-e071524 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="e071524" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e156e22" data-id="e156e22" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-20a2772 elementor-widget elementor-widget-image" data-id="20a2772" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="800" src="https://albionforest.co.uk/wp-content/uploads/2023/05/Pensioner-interest-only-mortgages-1-1024x1024.png" class="attachment-large size-large wp-image-9756" alt="pensioner interest only mortgages" srcset="https://albionforest.co.uk/wp-content/uploads/2023/05/Pensioner-interest-only-mortgages-1-1024x1024.png 1024w, https://albionforest.co.uk/wp-content/uploads/2023/05/Pensioner-interest-only-mortgages-1-300x300.png 300w, https://albionforest.co.uk/wp-content/uploads/2023/05/Pensioner-interest-only-mortgages-1-150x150.png 150w, https://albionforest.co.uk/wp-content/uploads/2023/05/Pensioner-interest-only-mortgages-1-768x768.png 768w, https://albionforest.co.uk/wp-content/uploads/2023/05/Pensioner-interest-only-mortgages-1.png 1080w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-256a71a" data-id="256a71a" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-e2d2aff elementor-widget elementor-widget-text-editor" data-id="e2d2aff" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400;">What happens at the end of a pensioner interest only mortgage term?</span></h2><p><span style="font-weight: 400;">At the end of a pensioner interest only mortgage, it is required to be paid off. Usually via sale of the property. This often means downsizing. However, this can often be the plan for most people anyway wanting to move to retirement properties or more accessible options later in life.</span></p><p><span style="font-weight: 400;">Whilst most people use sale of the property as their repayment method, the actual repayment method is usually up to the applicant as long as it is done on time. So if you have the funds via another means you are often not required to use the repayment method that you selected upon application.</span></p> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-285e011 elementor-widget elementor-widget-text-editor" data-id="285e011" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h2><span style="font-weight: 400;">The impact of age on pensioner interest only mortgage eligibility</span></h2><p><span style="font-weight: 400;">Unlike Equity release products, </span><a href="https://albionforest.co.uk/retirement-interest-only-mortgages/"><span style="font-weight: 400;">Retirement interest only mortgages</span></a><span style="font-weight: 400;"> are unlikely to be as affected by age. They do, however, have age restrictions as we’ve mentioned.</span></p><h2><span style="font-weight: 400;">What happens at the end of a pensioner interest only mortgage term?</span></h2><p><span style="font-weight: 400;">At the end of a pensioner interest only mortgage, it is required to be paid off. Usually via sale of the property. This often means downsizing. However, this can often be the plan for most people anyway wanting to move to retirement properties or more accessible options later in life.</span></p><p><span style="font-weight: 400;">Whilst most people use sale of the property as their repayment method, the actual repayment method is usually up to the applicant as long as it is done on time. So if you have the funds via another means you are often not required to use the repayment method that you selected upon application.</span></p><h2><span style="font-weight: 400;">How to find the best pensioner interest only mortgage lenders in the UK</span></h2><p><span style="font-weight: 400;">The lenders that offer pensioner interest only mortgages will vary as lenders add or remove products. The simplest method of finding the best mortgage lenders for this type of mortgage is to speak to a specialist mortgage broker for pensioner interest only mortgages.</span></p><h2><span style="font-weight: 400;">How to switch from a standard mortgage to a pensioner interest only mortgage</span></h2><p><span style="font-weight: 400;">This is relatively straight forward, much like a normal remortgage. You will select the product you wish to remortgage to, and instruct a solicitor to carry out the necessary conveyancing.</span></p><p><span style="font-weight: 400;">This process generally takes 6-8 weeks, but could be faster or slower depending on a variety of factors.</span></p><h2><span style="font-weight: 400;">What are the Pros and Cons of Pensioner interest only Mortgages?</span></h2><p><span style="font-weight: 400;">There are several advantages and disadvantages to consider when it comes to pensioner interest only mortgages.</span></p><h3><span style="font-weight: 400;">Pros:</span></h3><ol><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Access to equity: For many pensioners, their home is their most valuable asset. A pensioner interest only mortgage can allow them to access some of that equity without having to sell their home.</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Increased income: By borrowing against the value of their property, pensioners can supplement their retirement income.</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Flexibility: With a pensioner interest only mortgage, borrowers are only required to pay the interest on the loan each month. This can provide greater flexibility for those on a fixed income.</span></li></ol><h3><span style="font-weight: 400;">Cons:</span></h3><ol><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Risky investment: Borrowing against the value of a property is always a risky investment. The value of the property may not increase as much as anticipated, and in some cases, may even decrease.</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Uncertainty: With a pensioner interest only mortgage, the borrower is not required to pay back the loan until the property is sold or the homeowner dies. This can lead to uncertainty about how much the borrower will owe when the loan eventually comes due.</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Limited options: Pensioner interest only mortgages are not as widely available as other types of mortgages. This means that borrowers may have limited options when it comes to finding a lender.</span></li></ol><h2><span style="font-weight: 400;">How Do Pensioner interest only Mortgages Work?</span></h2><p><span style="font-weight: 400;">Pensioner interest only mortgages work by allowing borrowers to borrow money against the value of their property. The amount that can be borrowed is typically based on the value of the property and the borrower’s age. Lenders will typically offer a maximum LTV ratio of around 50%.</span></p><p><span style="font-weight: 400;">With a pensioner interest only mortgage, the borrower is only required to pay the interest on the loan each month. This can provide greater flexibility for those on a fixed income. The loan itself is only repaid when the property is sold or the homeowner dies.</span></p><p><span style="font-weight: 400;">When the loan eventually comes due, the borrower or their estate will need to repay the loan in full. This can be done by selling the property or by using other assets to repay the loan.</span></p><h2><span style="font-weight: 400;">How to Qualify for a Pensioner interest only Mortgage</span></h2><p><span style="font-weight: 400;">To qualify for a pensioner interest only mortgage, borrowers will typically need to meet the following criteria:</span></p><ol><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Age: Borrowers must be aged 55 or over.</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Income: Borrowers must be able to demonstrate that they can afford to pay the interest on the loan each month.</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Equity: Borrowers must have a certain amount of equity in their property. This will vary depending on the lender, but a minimum of around 50% equity is typically required.</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Property type: Pensioner interest only mortgages are typically only available for certain types of property, such as standard residential properties or retirement homes.</span></li></ol><h2><span style="font-weight: 400;">How to Compare Pensioner interest only Mortgages</span></h2><p><span style="font-weight: 400;">When comparing pensioner interest only mortgages, there are several factors to consider:</span></p><ol><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Interest rate: The interest rate will determine how much the borrower will need to pay each month. It’s important to compare interest rates from different lenders to find the best deal.</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Fees: Lenders may charge fees for arranging the mortgage or for early repayment. It’s important to understand all of the fees associated with the mortgage before committing to a lender.</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Repayment terms: The repayment terms will determine when the loan needs to be repaid. It’s important to understand the repayment terms and to make sure that they are suitable for the borrower’s needs.</span></li><li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Eligibility criteria: Different lenders may have different eligibility criteria. It’s important to check that the borrower meets all of the lender’s criteria before applying for a mortgage.</span></li></ol><h2><span style="font-weight: 400;">Conclusion</span></h2><p><span style="font-weight: 400;">Pensioner interest only mortgages can be an attractive option for older homeowners looking to supplement their retirement income. However, they are not without risks. It’s important to carefully consider the pros and cons before deciding whether a pensioner interest only mortgage is right for you. If you’re considering this type of mortgage, it’s important to shop around and compare different lenders to find the best deal.</span></p> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a554568" data-id="a554568" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-a156e3d elementor-widget elementor-widget-template" data-id="a156e3d" data-element_type="widget" data-widget_type="template.default"> <div class="elementor-widget-container"> <div class="elementor-template"> <div data-elementor-type="section" data-elementor-id="970" class="elementor elementor-970" data-elementor-post-type="elementor_library"> <section class="elementor-section elementor-top-section elementor-element elementor-element-f3f5a50 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="f3f5a50" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e7b2309" data-id="e7b2309" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-d4d799a elementor-widget elementor-widget-global elementor-global-7981 elementor-widget-heading" data-id="d4d799a" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h5 class="elementor-heading-title elementor-size-default"><a href="https://g.page/r/CaUlvgKsZeoBEB0/review" target="_blank">Google Reviews - See More</a></h5> </div> </div> <div class="elementor-element elementor-element-9ed34e4 elementor-widget elementor-widget-html" data-id="9ed34e4" data-element_type="widget" data-widget_type="html.default"> <div class="elementor-widget-container"> <script src="https://apps.elfsight.com/p/platform.js" defer></script> <div class="elfsight-app-c4b3e3d9-fee0-4f09-9171-2d846caba232"></div> <script src="https://apps.elfsight.com/p/platform.js" defer></script> <div class="elfsight-app-1b08c970-2e04-438d-908a-3ad6eb7848fa"></div> </div> </div> <div class="elementor-element elementor-element-13c22a0 elementor-widget elementor-widget-global elementor-global-8290 elementor-widget-html" data-id="13c22a0" data-element_type="widget" data-widget_type="html.default"> <div class="elementor-widget-container"> <center><blockquote class="zenplayer" data-episode-href="https://zencastr.com/embed/BZuDVgDb" style="background: black; border-radius: 12px; font-family: system-ui; width: 240px; height: 240px; position: relative; color: white; margin: 0;"> <img decoding="async" style="width: 120px; display: inline-block; position: absolute; top: calc(50%); left: calc(50%); transform: translate(-50%, -50%);" src="data:image/svg+xml;base64,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/> <a href="https://zencastr.com/embed/BZuDVgDb" target="_blank" style="color: white; position: absolute; bottom: 12px; left: 50%; transform: translateX(-50%); text-decoration: none;" rel="noopener"> View on Zencastr </a></blockquote><script type="text/javascript" src="https://zencastr.com/static/js/embed-player.js"></script></center> </div> </div> <div class="elementor-element elementor-element-238a089 elementor-widget elementor-widget-image" data-id="238a089" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="601" height="1024" src="https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1.png" class="attachment-large size-large wp-image-7070" alt="" srcset="https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1.png 601w, https://albionforest.co.uk/wp-content/uploads/2020/05/Best-Nationwide-1-176x300.png 176w" sizes="(max-width: 601px) 100vw, 601px" /> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-32c9a2a4 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="32c9a2a4" data-element_type="section"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-19e6d14e" data-id="19e6d14e" data-element_type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-417f5438 elementor-widget elementor-widget-heading" data-id="417f5438" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">Useful Links</h3> </div> </div> <div class="elementor-element elementor-element-6d5fcea5 footer-icon elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="6d5fcea5" data-element_type="widget" data-widget_type="icon-list.default"> <div class="elementor-widget-container"> <ul class="elementor-icon-list-items"> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Main Teachers Page</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/supply-teacher-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Supply Teachers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/nqt-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">NQT Mortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/mortgages-for-teachers-with-bad-credit/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Bad Credit for Teachers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/teacher-mortgage-first-time-buyer/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">First Time Buyer Teachers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/mortgages-for-retired-teachers/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Retired Teachers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/trainee-teacher-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Trainee Teachers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/teachers-mortgage-scheme/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Teachers Mortgage Scheme</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/teaching-assistant-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Teaching Assistant Mortgages</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/mortgage-deals-for-teachers/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Mortgage Deals for Teachers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/teachers-building-society-mortgage/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Teachers Building Society Mortgage</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/mortgage-help-for-teachers/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Mortgage Help For Teachers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/teachers-life-insurance/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Teachers Life Insurance</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/mortgage-broker-for-teachers/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Mortgage Broker for Teachers</span> </a> </li> <li class="elementor-icon-list-item"> <a href="https://albionforest.co.uk/teacher-mortgage/teacher-mortgages-faq/"> <span class="elementor-icon-list-icon"> </span> <span class="elementor-icon-list-text">Teacher Mortgages FAQ</span> </a> </li> </ul> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-2f713747 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="2f713747" data-element_type="section"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-77fe33ee" data-id="77fe33ee" data-element_type="column" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-2c486d58 elementor-widget elementor-widget-heading" data-id="2c486d58" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">Why Albion Forest?</h3> </div> </div> <div class="elementor-element elementor-element-340c2d elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list" data-id="340c2d" data-element_type="widget" data-widget_type="icon-list.default"> <div class="elementor-widget-container"> <ul class="elementor-icon-list-items"> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="fas fa-shield-alt"></i> </span> <span class="elementor-icon-list-text">Raising The standards of financial advice</span> </li> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="fas fa-network-wired"></i> </span> <span class="elementor-icon-list-text">Making financial advice accessible to all</span> </li> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="far fa-handshake"></i> </span> <span class="elementor-icon-list-text">Trusted &amp; stress-free financial advice</span> </li> <li class="elementor-icon-list-item"> <span class="elementor-icon-list-icon"> <i aria-hidden="true" class="fas fa-hand-holding-heart"></i> </span> <span class="elementor-icon-list-text">Friendly, personable advisors</span> </li> </ul> </div> </div> </div> </div> </div> </section> </div> </div> </div> </div> </div> </div> </div> </section> </div> ', keyword) > 0) AS combined_tables ORDER BY priority ASC, created_at ASC