Are you in your 60's, 70's or 80's?
Have you been turned down by high street lender simply because of your age?
We think there’s no good reason for you not to be able to get a mortgage due to your age. That’s why we work with lenders who take your specific circumstances into account and use real human beings to underwrite each mortgage decision.
Income is considered on a case by case basis. Of course, any mortgage lender needs to know that you have a steady source of income to comfortably make your repayments but the lenders we work with will consider earnings, pensions, pension pots, investments and any other income you may have. And we have a track record of achieving the impossible so put us to the test today!
Remember The Good Old Days? When you went cap in hand to the Bank Manager for a Mortgage when you got married in your 20’s – and took out whatever you were given, over a 30 year period. And once you’d paid it off, that was it.
Well, things have changed a lot since then! Not only are there far more mortgage products on the market, we’re staying healthier for longer, have a wider range of earnings, side gigs and pensions and we all want to get more out of our retirement!
So it’s not uncommon to want to still have a mortgage, even though you’re past ‘normal retirement age’ – whatever that may be these days! It might be that you want to keep running a buy-to-let portfolio, you might want to move to a home that’s more suited to aching knees, you might want to make some changes to your home with an annexe – or even installing a lift – or you might simply want to remortgage an existing loan in order to get a better rate, consolidate debt or make a home for your extended family. Well, the good news is that as an underwriting broker, we have access to retirement mortgages that could be just what you’re looking for.
No matter what the reason, we understand. We’ve got decades of experience in making mortgages happen for people at all stages of their lives and we work with lenders that use a common sense approach, look in-the-round at all your income sources and can lend upto age 95, or even longer for some types of loan such as interest-only or buy-to-let that can commence at any age upto 89.
Very Impressed with information received and knowledge of mortgages.
Many thanks to Martland Mortgages I was hesitant to speak to anyone about my situation after being rejected by another mortgage company, However Martland Mortgages took it on board and dealt with the matter efficiently and professionally.
I received a faultless, excellent service from beginning to end.
With gratitude and blessings
Graham is absolutely brilliant, He accepted my difficult issues and produced a result with effortless ease.
Excellent service will definitely use again and recommend to others.
Absolutely Super Service. Vey Approachable.
A very smooth and uncomplicated approach with a can do attitude from a very professional firm.
Graham was amazing, he was so helpful and gave us excellent advice, he constantly kept in touch and explained all of the details, would highly recommend.
Mr McCarthy is very professional in his explanation of the process which makes an in-depth job much easier.
I could not have asked for a better advisor or service! I can’t thank you enough and wouldn’t hesitate to recommend you.
Thank you once again for making what we thought impossible, POSSIBLE!!!
We are very happy with the process so far Graham has done more than expected for us and has been a pleasure to deal with. Thank You.
You get what you pay for, I got the best!
Great Service.
Having worked with Graham before I had high expectations which were met as expected.
Thank you for working hard & keeping me informed of each stage by telephone & letter.
The last mortgage I applied for with another Company took 11 weeks. The Mortgage you arranged for me only took 6.
Good Service
Very Helpful and always available to clear up any issues.
Excellent service provided by Graham, would not hesitate to recommend Martland, thank you so much.
Excellent, prompt service – very informative & extremely helpful no matter when or how many times I called!
Outstanding communication, with a fast turnaround, friendly & supported, Thank you Graham.
Martland Mortgages have been amazing throughout the whole process & made everything much easier than it could have been. Many Thanks.
Graham McCarthy was very professional, proficient and efficient, he explained the process thoroughly and ensured we had a full understanding.
Very happy and truly grateful for your help and advice to obtain this mortgage which I didn’t think was possible x
My wife and I were impressed by the cheerful and professional help we received which made the mortgage process straight forward and stress free.
We had given up all hope of a remortgaging and a loan seemed the only option, until we spoke to Graham he not only made it possible to remortgage but also with a high street lender. Exceptional service!
I found the service provided very quick and efficient. Graham WAS ALWAYS VERY HELPFUL AND I AM ASTONISHED THAT THIS HAS ALL BEEN HANDLED BY PHONE & INTERNET. “highly recommended”.
“Absolutely fantastic service from beginning to end”. Fantastic.
Very good service
Very professional & helpful service which goes beyond any standard mortgage advisers.
As a first time buyer, I felt very anxious and scared, but Graham made the whole process go so smooth and as less stressful as possible, I would highly recommend Martland Mortgages to family and friends, I never thought it would be possible to own my own home, for this I will forever be grateful, Your the best !
Knowledgeable and helpful from start to finish.
As a family we couldn’t have been happier or more satisfied with the care and quality of service from Graham. He was very through and sensitive to our needs, and delivered everything he said he would, even faster than we anticipated. We would highly recommend the service he provides in the knowledge of knowing how professional and courteous he was.
I found Graham at Martland Mortgages to be the best in his field.
We have received excellent service from Graham. We thought we wouldn’t be able to get a mortgage but Graham managed to get one for us and put us at ease with his knowledge and experience.
We would highly recommend!
I’m glad that working with Mr Graham, such a gentleman and trustworthy
Excellent Service, Above and Beyond
Graham is a pleasure to deal with, professional knowledge and is always available to deal queries promptly and responsive!
Very Happy with the service provided and the outcome.
Thanks Graham, you got us a great deal on our mortgage
“Thank you for your assistance throughout the loan process. I will certainly recommend your services to anyone I know who needs a mortgage”
You make everything so easy. We will always come and see you for our mortgage needs. It was a pleasure to work with you.
Could not be better.
“100% good service. will recommended to others. thank you”
Brilliant service and always there to answer any questions
I couldn’t fault Martland Mortgages for any of their work.
Mr Graham McCarthy was very pleasant, knows his stuff and easy to talk to. I hope to be able to contact him again in the future if I need any further advice.
I could not recommend the services of Martland Mortgages enough, extremely professional service throughout, going above and beyond doing everything possible to get the job done.
Great communication from start to finish and great service
Great Service, definitely will recommend to others, thanks so much you’ve been a life saver.
Hi Graham,
So – today I finally got to pick the keys up to the new home you have worked so incredibly hard to obtain for me and my children! There are literally no words that could possibly thank you enough for all the work, time, effort and commitment you put in for me. I know that my case has had many issues – however nothing was ever too much for you and you always found a way to resolve it. I will forever be eternally grateful to you for making this a possibility and allowing me and my children a fresh start. From the first time I walked into your office … you told me that you would look after me and you have stayed completely true to your word.
Thank you so much, literally from the bottom of my heart!
Wishing you and yours all the very best!
Graham has turned round our BTL mortgage at a great speed.
Graham has been available and clear with his information. Super helpful to me.
Thanks for all your help Graham, can always rely on you to help! Much Appreciated.
The service provided by Martland Mortgages has been 100% professional.
“Graham is very knowledgeable and deals with our applications in a highly professional manner”
We will be back.
I would recommend Martland Mortgages to everyone. Their service was second to none and very professional, Graham helped me so much he was always at the end of the phone to answer my questions even out of office hours he was there to help me every step of the way.
Thank you so much for your massive help in getting us to own our own home.
Graham was always there for us and in our opinion went above & beyond what we expected!
Graham has been fantastic and gone above and beyond, outside of normal working hours to ensure we had the best service, we are very grateful to him.
Fantastic Service
Our special circumstances were clearly understood and a product that met our needs was identified and delivered.
“First class service, will recommend to everyone. Thank so much Graham!”
Absolutely first class customer service & would definitely recommend your services to family and friends.
I keep on wanting to call Graham, Jim, only because this is the second time he has managed to fix it! He always has the time of day for you, and somehow manages to create a wealth of comfort in an otherwise very daunting world of mortgages. He is both professional and personable, and very obviously good at his job.
Thanks Graham, we couldn’t have done it with you, and see you in five years.
Fantastic service that has gone above & beyond given our complicated circumstances, Thank You.
Put at ease and confidence at leaving matters in his hands.
The service which Graham provided was professional, informative, and he was prepared to do what is required to get the job done. Great Service – Thank You!
After struggling to get a mortgage our adviser was very re-assuring that he could help us in our situation which he did, he was very through, knowledgeable and professional, I would recommend him to anybody.
Graham McCarthy has represented Martland Mortgages. Com Ltd in a professional, clear, confident manner, this has reflected in my trust and lively hood being in his care and has enabled us to move on with our lives. Thank you.
From the moment you explain your circumstances to Graham, he knows exactly what to do to go about securing a mortgage. This confidence is hugely reassuring and what seems like a minefield becomes a very simple process. Thanks Graham, for steering us through!
Real old fashioned personal service, a very refreshing, stress free experience
Graham has helped me with 2 re-mortgages now, would highly recommend this company to anyone, he has gone above and beyond.
“You are the best in the business” – Sincerely I thank you.
Very happy with the service provided and would have no hesitation in recommending him to friends.
Fantastic Service & Diligence, dream home on its way! Eternally Grateful.
Worked hard again to get our mortgage, went down every avenue there is and again come out trumps. Simply the best!
Thank you Graham for your patience and for making me feel at ease with the whole process.
A massive thanks to you Graham for all your hard work and professionalism in securing me a mortgage, I did not think it would be possible considering my age and circumstances but you’ve gone above and beyond for me and I will always be grateful to you, again thank you so much!
We would not even consider using anyone else – a 5 star service every time
Dear Graham
I am writing to thank you for your recent work in securing me a mortgage within such a very strict timescale dictated by my situation.
As you were aware, time was of the essence in my particular case and by securing me a mortgage offer in two weeks prevented my house purchase from falling through.
I cannot fault the excellent service you provided, especially the amount of work you undertook and completed in swift fashion, and in particular the speed of completion which was primarily due to your first class service.
I would have no hesitation in recommending your services to family, friends and colleagues based on the exemplary service you provided for me.
Fantastic company to deal with!
Thank you so much, Graham for all your help & support you have shown us in delivering a professional 1st class service.
Never thought this would happen!!! Graham made it all possible . This comment box isn’t big enough to express our gratitude – Thank you Graham
The best service possible! Very knowledgeable & provided us with a mortgage with a building society when everybody else said no! I will recommend you to every person I pass.
…their attention to detail and ability to work through obstacles and remove problems that makes for their success. No other establishment was willing to try for me, but Martlands could see a way forward and successfully secured me two remortgages and a new house. I recommend Martland Mortgages above all others.
Excellent service – highly recommend as a mortgage broker.
Would highly recommend your services
Graham is brilliant! My husband and I had very bad credit scores and Graham was able to get us a mortgage. He is very professional and will always get back to you, whatever time you call! I would highly recommend Martland Mortgages!
I would highly recommend this firm to any of my friends looking to re-mortgage or sell, excellent service.
Excellent service. Well looked after would recommend to anyone.
…professional, diligent, courteous and someone who has excellent knowledge of the mortgage world and would not hesitate to recommend him or anybody requiring specialist mortgage advice.
Great advice and secured mortgage quickly. Thanks.
Martland Mortgages were excellent nothing was too much trouble – very helpful.
Excellent service, Graham very knowledgeable and helpful.
Fantastic service from Graham and his company, time was never an issue when we phoned with our many questions. He was always ready to put us at ease during the process.
To Graham: I really Appreciate it for all the help we have had from you x
Very Impressed with information received and knowledge of mortgages.
Graham goes above and beyond, especially when ours was not the simplest case, Much Appreciated
Dear Graham
Thank you so much for all the work that you did for me in obtaining a mortgage on the above property. I really didn’t think it would ever happen.
My friends keep telling me how lucky I was to get a mortgage in the current financial climate.
Thank you again for all your support & help over the months, especially when the ex. nearly stalled it all.
Graham’s professional service met my objectives. Graham is a very interesting and nice guy as well!
From start to finish, Graham assisted in a clear, friendly and professional manner, helping us and being available for all our queries. Thanks.
Friendly, informative, knowledgeable, and most importantly professional. Thanks for all your help again.
Knowledgeable and helpful from start to finish.
We are very happy with the process so far Graham has done more than expected for us and has been a pleasure to deal with. Thank You.
Graham McCarthy has provided me with a 5 star service throughout. He has assisted and advised me sometimes on a daily basis and in turn made this whole process easy and uncomplicated, any future property purchases I undertake will only be dealt with by Mr McCarthy, I will remain indebted to him and Martland Mortgages
A Very Big Thank You.
Not a straight forward situation and the matter has been dealt with in a professional manner at all times, thank you!
A very friendly and helpful service, I would have no hesitation in recommending Martland Mortgages to my friends.
“Brilliant Company”. Would Highly Recommend.
“We would like to thank you for your help, understanding and knowledge. You made the whole process simple and straight forward for us, with easy read documents and phone calls reassuring”
The service you provide is not only as mentioned above but the little touches such as pre-paid envelopes, notepads and pens etc. make you feel like a valued customer.
We found Martland Mortgages very easy to deal with and everything was explained really clearly and dealt with speedily. really pleased with the service.
The level of service by Graham McCarthy has been excellent we couldn’t be happier.
We signed contracts today, without you we wouldn’t have been doing that. You’re a tip top guy, thank you so much.
Well what can we say… Graham is without doubt a great chap to have operating for you in the Scary world of Mortgages.
Nothing was too much trouble, he dealt with our application through to a formal offer in just a few days.
So if you are looking at his site now thinking, Shall we use Martland or not? Don’t worry, just contact Graham and your mortgage will be sorted without any hassle. You’ll be kept completely up to date with every step by Graham.
We wouldn’t be moving into our dream Cottage without him.
Solves problems that other [mortgage] brokers fail to do!
A fantastic service, helpful with all our questions, and delivered even when things got tough.
Thanks for everything.. see you in a few years.
Mr McCarthy was very helpful & efficient and we are very happy with the service we received.
Really friendly and extremely professional service, efficient and first rate outcome.
Graham made what I thought was impossible, possible, for which I am very grateful.
I am fortunate to have worked with Graham in purchasing my first property in the past, his service and attention to detail was second to none, so I received the same professional service which I got this time.
I just wanted to take the opportunity to thank you for the help with securing me a mortgage offer.
I count it a blessing to have found you and made contact with you.
You were extremely professional and helpful throughout the process. Taking time to understand my particular situation, circumstances and background in order to help me get a product that best suit my needs.
You demonstrated comprehensive knowledge of the industry and process and in so doing you ensured you achieved the best possible outcome for me.
I am sure we will still work together in the future but in the meantime I wanted to say a big thank you and let you know your help is much appreciated.
We can’t thank-you enough for the help you have given us, and the timescale in which you have turned this around is amazing
You told me you was the best in the business, I can certainly believe it – I will certainly highly recommend you to others who are looking at getting a mortgage
I am sure Mandy will be in touch very soon to thank-you personally, we was thinking of giving up
Many Thanks,
A very smooth and uncomplicated approach with a can do attitude from a very professional firm.
Excellent all round would recommend in the future to anyone.