The Hodge Hub

Visit the Hub for a wealth of insight that will engage and support you in growing your later life proposition. Find out more about Hodge Lifetime, our product range and how we can help you in this flourishing market.

Affordability Infographic

You asked, we listened. We’ll now accept even more types of income.

Putting you and your clients at the heart of everything we do is important to us. You asked for more acceptable income types in relation to our affordability based mortgages (55+, 55+ RIO and Retirement Mortgage), …


For Mortgage Solutions for your Later Life Borrowers, think Hodge Lifetime.

We are a nation of people living longer. Recent FCA data states the total amount of mortgage debt held by over-65s is projected to almost double from £20.1bn to £39.9bn by 2030. Their ageing population …


Later Life Affordability Assessments: Key Questions

When discussing lending needs with a client it’s essential to consider their financial situation both now, and over the term of the mortgage. As a responsible lender, we encourage all advisers and clients to plan …


Quick Guide to Affordability

We assess affordability on the basis of disposable income. As a responsible lender, we consider a client's affordability over the lifetime of the mortgage, not just at inception like most high street lenders. This ensures …


Pension Freedoms – Impact on Affordability?

Pension freedoms give retirees much more choice around how they draw their pensions. Potentially, choosing to drawdown the whole of their pension in one go or in several large chunks, instead of taking regular monthly …

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