Hodge Expands Remortgage Options with Up to 90% LTV, Offering Greater Flexibility into Retirement
Hodge has unveiled enhanced remortgage features designed to support customers at every stage of life, from older first-time buyers to those managing life changes such as divorce or debt consolidation. The expanded options now include capital raising up to 90% LTV, debt consolidation up to 85% LTV, and the consideration of earned income up to age 80, with 100% of all income – including retirement income – taken into account.
With September being remortgage season, Hodge’s announcement comes at an opportune time for those looking for more flexible options.
What sets Hodge apart is it’s unique offer of 90% LTV remortgaging into retirement. This provides customers with specialist needs – such as wanting to gift money to family, funding home improvements or consolidate debt – far greater choice and financial flexibility.
Emma Graham, Business Development Director at Hodge, explained this further development builds on Hodge’s commitment to being a lender that is flexible and accessible:
“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.”
According to UK Finance Forecast, the external remortgage market has seen a 30% increase since 2024, with a projected value of £76bn in 2025. These figures underline the demand for aspirational lending, enabling customers not only to manage their finances but to enjoy the benefits of their hard work while they can.
“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. 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.”
By offering greater flexibility and recognising all forms of income, Hodge continues to position itself as a lender that champions choice and empowers customers to make financial decisions that fit their lives, both today and in the future.
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