Hodge expands remortgage options up to 90% LTV into retirement

Hodge now allows remortgage capital raising up to 90% LTV and debt consolidation up to 85% LTV.

Related topics:  Finance,  Remortgage,  Hodge
Property | Reporter
2nd October 2025
Emma Graham - Hodge - 968
"We’re proud to support people into and through retirement, recognising all forms of income, not just earned income, when assessing affordability"
- Emma Graham - Hodge

Hodge has introduced enhanced remortgage options designed to support customers at every stage of life, including older first-time buyers and those managing life changes such as divorce or debt consolidation. The expanded range now allows capital raising up to 90% LTV, debt consolidation up to 85% LTV, and consideration of earned income up to age 80, with 100% of all income, including retirement income, taken into account.

September, traditionally a busy remortgage month, makes the timing of Hodge’s announcement particularly relevant for customers seeking greater flexibility.

What sets Hodge apart is its unique ability to offer 90% LTV remortgages into retirement. This gives customers with specialist needs, such as gifting money to family, funding home improvements or consolidating debt, more choice and financial flexibility.

“This further development builds on Hodge’s commitment to being a lender that is flexible and accessible,” said Emma Graham, business development director at Hodge (pictured). “We know that life isn’t always linear, and people’s financial journeys don’t always fit a traditional mould. That’s why we’ve designed our remortgage products to give customers more flexibility, whether they’re raising capital, consolidating debt, or supporting their family.

“We’re proud to support people into and through retirement, recognising all forms of income, not just earned income, when assessing affordability.”

The external remortgage market has grown significantly. According to UK Finance Forecast, it has increased by 30% since 2024, with a projected value of £76bn in 2025. These figures highlight the demand for aspirational lending that allows customers to manage finances while enjoying the benefits of their hard work.

“Many customers coming to us are first-time buyers who entered the market later in life, perhaps without the support of the Bank of Mum and Dad,” Graham added. “Others are divorcees or separated individuals starting fresh and needing longer mortgage terms that extend into retirement."

"Our products are built with these real-life situations in mind, offering flexibility where other lenders might stop short. What makes our approach unique is the ability to go up to 90% into retirement—a real lifeline for customers who want options that reflect their individual needs.”

More like this
CLOSE
Subscribe
to our newsletter

Join a community of over 20,000 landlords and property specialists and keep up-to-date with industry news and upcoming events via our newsletter.