Mortgage Age & Maximum Term Calculator
See your current age, your age at the end of a chosen mortgage term, and the maximum term available under common lender maximum-age limits.
Your details
Results
Current age
36 yrs 8 mos
Age at end of term
61 yrs 8 mos
| Lender max age | Max term available |
|---|---|
| 70 | 33 yrs 4 mos |
| 75 | 38 yrs 4 mos |
| 80 | 43 yrs 4 mos |
| 85 | 48 yrs 4 mos |
Maximum ages and mortgage terms vary by lender and individual circumstances. This is a mathematical illustration only.
How this works
Lenders typically cap the mortgage term so the borrower is no older than a set maximum age (commonly 70–85) by the end of the term. This calculator works backwards from your date of birth to show the maximum term available under each common limit — for joint applications, use the oldest applicant's date of birth.
Frequently asked questions
- What is the maximum age for a mortgage in the UK?
- There's no single rule — lenders set their own maximum ages, commonly between 70 and 85 at the end of the mortgage term.
- Which applicant's age is used for joint mortgages?
- Typically the oldest applicant, since they reach the lender's maximum age limit first.
Want the full picture? Open the full Mortgage Case Calculator →