Skip to content
Back to Insurance
Go to insurance
Back to Insurance menu
Car insurance Existing car insurance customers
Car insurance guides
Motorhome insurance
Back to Insurance menu
Home insurance Existing home insurance customers
Home insurance guides
Landlord insurance Existing landlord insurance customers
Back to Insurance menu
Travel insurance
Existing travel insurance customers
Back to Insurance menu
Health insurance Existing customers
Switching provider
Compare healthplans
Back to Insurance menu
Pet insurance
Caravan insurance
Back to Insurance Menu
SOS Personal alarm
Back to Holidays
Go to holidays
Back to Holidays menu
Europe
Africa
Asia
Australasia
North America
South America
Caribbean
Back to Holidays menu
Group Tours
Hotel Holidays
Tailor-Made Travel
Other holidays
Back to Holidays menu
Holiday offers
Back to Holidays menu
Planning your holiday
Book with confidence
Travelling with us
Back to Cruises
Go to Cruises
Back to Cruise menu
Ocean cruise destinations
River cruise destinations
Cruises from UK
Back to Cruise menu
Ocean cruises
River cruises
Back to Cruise menu
Our cruise ships
The Saga cruise experience
Why cruise with Saga?
Our river cruise ships
The river cruise experience
Why river cruise with Saga?
Back to Cruise menu
Our blogs
Ocean cruise blogs
River cruise blogs
Back to Cruise menu
Cruise offers
Back to Cruise menu
Travel updates
Book with confidence
FAQs
Back to Saga Money
Go to Saga Money
Back to Saga Money
Equity release
Here to help
Useful articles
Back to Saga Money
Savings products
Existing customers
Useful guides
Wider reading
Back to Saga Money
Legal services
Useful articles
Back to Saga Money
Mortgages
Useful guides and help
Wider reading
Back to Saga Money
Investing
Useful guides and help
Back to Saga Money
Money news
Useful articles
Wider reading
Back to Saga Magazine
Go to magazine
Back to Magazine
Saga Magazine
0330 018 3071
  • 0330 018 3071
    Speak with the team
    Mon-Thu 9am-8pm
    Fri 9am-5:30pm
    Sat-Sun 10am-3pm
    Open
  • Get a mortgage
A couple high-fiving surround by boxes in a new house

SAGA MORTGAGES

Saga have partnered with Tembo to help you remortgage, buy a new home or simply help a loved one.

Get a mortgage

Saga Mortgages

Saga has partnered with specialist mortgage broker Tembo Money, to provide our customers with a mortgage advice service. The service gives you access to expert advice across over 100 lenders including a wide range of products to help you finance your home.

What lenders will you get access to?

You will have access to "whole of market" mortgage advice. This means over 100 different lenders and 20,000 products will be considered to find you the most suitable and best priced option available for you.

This will include all of the high-street lenders like HSBC, NatWest, Halifax and Barclays as well as smaller specialist lenders and building societies such as Metro Bank, Livemore, Skipton Building Society, Kensington and Generation Home.

A grandfather carrying his grandson in the air as they play with a toy airplane

Retirement Interest-Only mortgages

Find out how you could borrow in later life with a RIO mortgage.

Find out more
A young girl running towards her grandparents

Remortgaging

Trust us to help you find the best deals when it’s time to remortgage.

Find out more
A row of houses on a blue sky day

Buy-to-Let mortgages

Are you looking to buy your first rental property to earn additional income in retirement?

Find out more

How much will I be able to borrow?

There are a range of different factors that are used to determine the amount you can borrow depending on your income, expenditure, credit history, age, personal circumstances and property type.

As a rule of thumb, for a standard repayment mortgage you could borrow up to around four and a half times your income. Some lenders go up to five and a half times but there can often be stricter criteria on deposit size and credit score.

Please be aware that your home may be repossessed if you do not keep up payments on your mortgage.

The quickest way to get a more accurate estimate of how much you could borrow is by completing the digital fact-find.

Mortgage calculator

A mortgage is one of the biggest commitments you'll make, and with so many choices it can be hard to work out which one is right for you. Our mortgage calculator will show what you could borrow - you just need to input some basic info, such as your income and what deposit you'd have.

Looking for ways to support your family?

Grand parents with their grandchildren on a sofa at home

Income Boost

Use your income to boost the buying potential of your loved ones.

A grandfather looking at a book with his granddaughter

Springboard Mortgages

Use your savings to lift a family member onto the property ladder.

An adult and child's hands cupped together holding a small wooden house

Deposit Boost

Release some money from your home to help a child or grandchild.

See what our customers say

After having no luck in finding a mortgage with our usual mortgage broker and also with a company specialising in mortgages for the over 60's, we decided to give Tembo a try via Saga. What had started out as a stressful and worrying process was resolved quickly and efficiently. I cannot recommend them highly enough. It is unlikely we will move again, but, if we do, we will definitely use them again.

John

See what our customers say

We were introduced to Tembo through SAGA, a trusted provider of several services. We found Tembo knowledgeable, friendly and efficient and quickly had an offer-in-principle set up at which point our case was taken over by Rebecca who patiently and diligently navigated the blizzard of personal data required by lenders these days and finally escalated the matter with the lender when their requests became obscure and super-detailed. For this alone, it was worth using Tembo who provided efficient, accessible, patient and professional advice throughout.

Sue and Brian

See what our customers say

Saga Mortgages managed to sort a sensible mortgage for us in a speedy, professional and understanding manner. Thoroughly recommended! - for Saga Louts and youngsters alike!

Lance

Search results for mortgages

Over 60s mortgages

Knowing what your later life mortgage options are is a great place to start.

Read more
Glass savings jars with different labels

Your guide to Inheritance Tax

We do our best to help explain the complicated nature of Inheritance Tax.

Read more

Mortgage guides and help

Someone using a calculator while touching a small model house

Wanting to pay off an interest-only mortgage that's ending soon?

Saga help explain how you can pay off an interest-only mortgage.

A couple looking over paperwork at home on the sofa

Later life lending and mortgages

Saga help you navigate retirement mortgages and later life lending.
Four pairs of hands holding a wooden toy house

Gifting family inheritance

Are you thinking about gifting your family inheritance early?
Wooden blocks spelling FAQ

What happens if I have a mortgage when I retire?

Being aware and prepared financially when you stop working is an important part of later life.

A small wooden see saw balancing a house and a dice with percentages on

Has getting a mortgage become more expensive?

We take a look at how much getting a mortgage costs and understand what's changed.

A son walking with his arm around his father's shoulders

How can parents support their children's home purchase?

We look at the ways parents can choose to support their children on the property ladder.

A row of neat houses

Downsizing

Is downsizing the right move for you? We help explore the decision.

A row of colourful houses

Maximising your property's selling appeal and value

Saga help you look at things you can do to increase your home's value.

A question mark with a roof being held over it

Should you let your adult kids live at home?

There are pros and cons having adult children live at home with you.

small wooden houses and 3 piles of coins on opposite ends of a seesaw

Offset mortgages

Explore offset mortgages with Saga Mortgages.

Find out more
A row of houses on a sunny day

Second mortgages

Explore second charge mortgages with Saga.

Find out more
A woman sat at a desk with a calculator and putting money into a piggy bank

Tracker mortgages

Discover tracker mortgages with Saga Mortgages.

Find out more
A younger couple sat in a new home looking at decorating colour schemes

Guarantor mortgages

Discover guarantor mortgages with Saga Mortgages.

Find out more

Mortgage guides and help

A hand holding a pen over some paperwork

Mortgages in principle explained

Discover all the essential information about mortgages in principle in our detailed guide.

A couple sat outside smiling and talking

Mortgages for over 70s

Explore your borrowing options in later life.

A man holding a house in his hands

Mortgage protection

Get peace of mind with a range of mortgage insurance options.

Important

Your home may be repossessed if you fail to repay your mortgage. Saga Money may receive payment from Tembo if you get a mortgage offer via the Saga Mortgages service. This will not affect the amount you pay for the service.

Saga is a registered trading name of Saga Personal Finance Limited, which is registered in England and Wales (company number 3023493). Registered office 3 Pancras Square, London, N1C 4AG. Saga Personal Finance Limited is authorised and regulated by the Financial Conduct Authority under the registration number 178922.

Tembo Money Limited (12631312) is a company registered in England and Wales with its registered office at 18 Crucifix Lane, London, SE1 3JW. Tembo is authorised and regulated by the Financial Conduct Authority under the registration number 952652. Tembo Money was awarded Best Mortgage Broker at the British Banking Awards in 2022 and 2023.