How our free mortgage advice for over 55s works

We’ll check if our mortgages for over 55s are right for you, and arrange your appointment with one of our specialist mortgage advisers.

They’ll talk through your options and how much equity you could release from your home. You’ll then receive recommendations based on your individual needs. If you’re happy, we’ll start your application.

When you speak to us, please have details of your:

  • pension income (if you have a partner, this includes what they will get if you die before them).
  • borrowing like loans or credit cards - if you have any. 
  • buildings insurance costs.
  • council tax costs.

To get advice about our Lifetime and retirement mortgages 

You need to be: 

  • aged 55 to 84 (or 94 if you already have a Nationwide mortgage)
  • applying for a mortgage on your main residence only

If you want to apply for a retirement mortgage, you’ll also need to be:

  • receiving a state, private or workplace pension. 

Contact us to get advice

Video call 

Arrange a 30-minute video appointment with one of our specialist mortgage advisers, at a time that suits you. 

Using our video to member service, you can have a face to face chat, from the comfort of your home.  

Once you’ve booked your appointment, you’ll receive an email with details of what you’ll need and how to join the video call. 

Over the phone

Ready to chat?  

If our phone lines are open, you can chat to one of our specialist mortgage advisers now. This call will usually take about 30 minutes. 

Call us:  

Monday to Friday, 9am to 5pm. 
Saturday 8.30am to 4pm. 
Closed Sunday and bank holidays. 


Think carefully before securing other debts against your home. Your mortgage is secured on your home, which you could lose if you do not keep up your mortgage payments. Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice.