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Retirement Interest Only mortgages from The Cambridge
The decisions you make about your mortgage are some of the most important financial choices you will ever make – that’s why we'll be here to support you along the way.
Speak with one of the team today on 0345 601 3344.
Retirement Interest Only (RIO) Mortgages
Retirement Interest Only Mortgages (also known as RIO) are a way of borrowing against your property, whilst only paying back the interest incurred on the loan each month. As well as offering a mortgage designed specifically for people who have retired, we've put together a guide which tells you all you might want to know about Retirement Interest Only Mortgages - read on to learn about who is eligible and whether a RIO mortgage is right for you.
So what next?
- Take a look at our Retirement Interest Only Mortgage.
- If you'd like to find out more about the process of applying for a mortgage check out our guides.
- If you’d like to speak to a member of the team about a Retirement Interest Only Mortgage you can call us on 0345 601 3344.
- Not sure a Retirement Interest Only Mortgage is for you? Use our mortgage finder below to take a look at other mortgage options.
Which mortgage is right for you?
Results
2 Year Discounted Variable Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 1.74% | 5.29% | 4.8% APRC | 80% | £0.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - 1% in year one; 1% in year two.
2 Year Discounted Variable Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.04% | 5.29% | 4.8% APRC | 80% | £0.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - There are no early repayment charges
Interest Only 2 Year Discounted Variable Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.04% | 5.29% | 4.9% APRC | 70% | £0.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - There are no early repayment charges
2 Year Fixed Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.49% | 5.29% | 4.9% APRC | 80% | £0.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two
Help to Buy 2 Year Fixed Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.54% | 5.29% | 5.0% APRC | 75% | £199.00 | £150.00 | £150.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two.
Help to Buy 2 Year Discounted Variable Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.54% | 5.29% | 5.0% APRC | 75% | £199.00 | £150.00 | £150.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - There are no early repayment charges
5 Year Fixed Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.64% | 5.29% | 4.3% APRC | 80% | £0.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
| 2.99% | 5.29% | 4.4% APRC | 90% | £0.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.
Interest Only 5 Year Fixed Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.64% | 5.29% | 4.3% APRC | 70% | £0.00 | £0.00 | £0.00 | £1,699.00 | Early Repayment Charges Apply | details |
Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five
Help to Buy 5 Year Fixed Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.69% | 5.29% | 4.5% APRC | 75% | £199.00 | £150.00 | £150.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - 5% in year one, 4% in year two, 3% in year three, 2% in year four, 1% in year five.
2 Year Fixed Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.69% | 5.29% | 4.9% APRC | 90% | £0.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two.
2 Year Discounted Variable Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.69% | 5.29% | 5.0% APRC | 90% | £0.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - There are no early repayment charges.
2 Year Discounted Variable Rate Buy to Let Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.74% | 5.94% | 5.5% APRC | 80% | £0.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - There are no early repayment charges.
Low Deposit 2 Year Discounted Variable Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.89% | 5.29% | 5.0% APRC | 95% | £0.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - There are no early repayment charges
3 Year Fixed Rate Buy to Let Mortgage - Existing Mortgage Customers
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.99% | 5.94% | 4.9% APRC | 80% | £0.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two; 1% in year three
5 Year Fixed Rate Buy to Let Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.99% | 5.94% | 4.8% APRC | 80% | £199.00 | £800.00 | £800.00 | £800.00 | Early Repayment Charges Apply | details |
Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five
Self Employed 2 Year Fixed Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.99% | 5.29% | 5.0% APRC | 80% | £199.00 | £0.00 | £400.00 | £800.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two
Shared Ownership 2 Year Fixed Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 3.09% | 5.29% | 5.1% APRC | 90% | £0.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
| 3.59% | 5.29% | 5.1% APRC | 95% | £0.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two.
Self Employed 2 Year Discounted Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 3.24% | 5.29% | 5.1% APRC | 80% | £199.00 | £0.00 | £400.00 | £800.00 | Early Repayment Charges Apply | details |
Early repayment charges - There are no early repayment charges.
Shared Ownership 2 Year Discounted Variable Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 3.29% | 5.29% | 5.1% APRC | 95% | £0.00 | £150.00 | £150.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - There are no early repayment charges.
Shared Ownership 5 Year Fixed Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 3.29% | 5.29% | 4.7% APRC | 90% | £0.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
| 3.89% | 5.29% | 4.9% APRC | 95% | £0.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - 5% in year one; 4% in year two, 3% in year three, 2% in year four, 1% in year five.
Low Deposit 2 Year Fixed Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 3.49% | 5.29% | 5.1% APRC | 95% | £199.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two.
Credit Assist Mortgage 2 Year Fixed Rate
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 3.49% | 5.29% | 5.2% APRC | 85% | £199.00 | £400.00 | £400.00 | £800.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two
Expat 2 Year Discounted Rate Buy to Let Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 3.64% | 5.94% | 5.7% APRC | 75% | £0.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - 1% in year one; 1% in year two
Expat 2 Year Fixed Rate Buy to Let Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 3.64% | 5.94% | 5.8% APRC | 75% | £0.00 | £800.00 | £800.00 | £1,999.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two
Low Deposit 5 Year Fixed Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 3.69% | 5.29% | 4.9% APRC | 95% | £199.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.
Holiday Let 2 Year Fixed Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 3.69% | 5.94% | 5.7% APRC | 75% | £0.00 | £800.00 | £800.00 | £999.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two
Holiday Let 2 Year Discounted Variable Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 3.74% | 5.94% | 5.7% APRC | 75% | £0.00 | £800.00 | £800.00 | £999.00 | Early Repayment Charges Apply | details |
Early repayment charges - 1% of the outstanding balance in year one; 1% of the outstanding balance in year two
Holiday Let 5 Year Fixed Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 3.79% | 5.94% | 5.1% APRC | 75% | £0.00 | £800.00 | £800.00 | £999.00 | Early Repayment Charges Apply | details |
Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five
Expat 5 Year Fixed Rate Buy to Let Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 3.84% | 5.94% | 5.0% APRC | 75% | £0.00 | £800.00 | £800.00 | £1,999.00 | Early Repayment Charges Apply | details |
Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five
Credit Assist Mortgage 3 Year Discounted Variable Rate
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 3.99% | 5.29% | 5.1% APRC | 85% | £199.00 | £0.00 | £400.00 | £800.00 | Early Repayment Charges Apply | details |
Early repayment charges - There are no early repayment charges
Credit Assist Mortgage Extra - 3 Year Discounted Variable Rate
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 5.24% | 5.29% | 5.5% APRC | 70% | £199.00 | £0.00 | £400.00 | £800.00 | Early Repayment Charges Apply | details |
Early repayment charges - There are no early repayment charges
Credit Assist Mortgage Extra - 2 Year Fixed Rate
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 5.29% | 5.29% | 5.5% APRC | 70% | £199.00 | £0.00 | £400.00 | £800.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
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