How Strive secured a Long-Term Mortgage for a London Couple in Their Late 50s

The Challenge

A couple in their late 50s were eager to buy a home in London but kept hearing the same message from banks and brokers — that their age made it impossible.

Most of the offers they received were short-term, expensive, and didn’t provide the stability they wanted at this stage of life. Despite both having strong, consistent incomes, traditional lending criteria around maximum age and affordability were holding them back.

The Solution

At Strive, we took a different approach. Rather than focusing purely on age, we reviewed their entire financial profile — including employment, pension contributions, and long-term goals.

We sourced a lender that accepted earned income up to ages 75 and 77, allowing us to secure a £400,000 mortgage on a long-term, affordable basis.

The deal was structured to keep monthly payments comfortable while providing the long-term stability they wanted as they approached retirement.

The Result

The couple are now proud homeowners, building equity in their own London property instead of paying rent.

Most importantly, they’ve gained security and peace of mind, knowing their home and financial future are protected well into retirement.

In the Clients’ Words

“We honestly thought we’d left it too late to buy. Every bank and broker we spoke to said it wasn’t possible or that we’d have to take something short-term and expensive. Strive took the time to really understand us — our jobs, our plans, our income — and came back with a proper solution. We’ve now got a long-term mortgage that fits comfortably, and the feeling of security it’s given us at this stage of life is priceless.”

How Strive Can Help

At Strive, we specialise in helping older borrowers — whether you’re working, retired, or somewhere in between — find flexible, affordable mortgage solutions that fit your life stage.

👉 Learn more about our mortgages for older borrowers or get in touch today to explore your options and see how we can help you move forward with confidence.