Try our mortgages help centre
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 |
||
| 1.84% | 4.89% | 4.3% APRC | 80% | £199.00 | £0.00 | £400.00 | £800.00 | 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 |
||
| 1.84% | 4.89% | 4.4% APRC | 70% | £199.00 | £0.00 | £400.00 | £1,500.00 | Early Repayment Charges Apply | details |
Early repayment charges - There are no early repayment charges
Help to Buy 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 |
||
| 1.89% | 4.89% | 4.2% APRC | 75% | £199.00 | £150.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - There are no early repayment charges.
2 Year Discounted Variable Rate 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 |
||
| 2.04% | 4.89% | 4.5% 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 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 |
||
| 2.09% | 4.89% | 4.5% APRC | 80% | £199.00 | £400.00 | £400.00 | £800.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two.
Interest Only 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 |
||
| 2.09% | 4.89% | 4.5% APRC | 70% | £199.00 | £400.00 | £400.00 | £1,500.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two
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 |
||
| 2.29% | 4.89% | 3.6% APRC | 80% | £199.00 | £400.00 | £400.00 | £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.
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 |
||
| 2.29% | 4.89% | 3.7% APRC | 70% | £199.00 | £400.00 | £400.00 | £1,500.00 | 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 - 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 |
||
| 2.29% | 4.89% | 4.6% APRC | 90% | £0.00 | £400.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two. Product Switch fee - £400
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 |
||
| 2.34% | 4.89% | 4.4% 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 |
||
| 2.39% | 4.89% | 4.5% 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.
5 Year Fixed Rate 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 |
||
| 2.49% | 4.89% | 3.8% APRC | 90% | £0.00 | £400.00 | £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. Product Switch fee - £400
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 |
||
| 2.49% | 4.89% | 3.8% APRC | 80% | £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.
2 Year Fixed Rate 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 |
||
| 2.54% | 4.89% | 4.6% 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
5 Year Fixed Rate 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 |
||
| 2.59% | 4.89% | 4.1% 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.
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 |
||
| 2.59% | 5.54% | 5.1% APRC | 75% | £199.00 | £800.00 | £800.00 | £800.00 | Early Repayment Charges Apply | details |
Early repayment charges - There are no early repayment charges.
Low Deposit 2 Year Discounted Variable Rate 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 |
||
| 2.69% | 4.89% | 4.7% APRC | 95% | £0.00 | £150.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - There are no early repayment charges. Product Switch fee £150
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% | 4.89% | 3.8% 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.
Low Deposit 2 Year Fixed Rate 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 |
||
| 2.89% | 4.89% | 4.7% APRC | 95% | £0.00 | £150.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two. Product Switch fee - £150
Low Deposit 5 Year Fixed Rate 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% | 4.89% | 4.2% APRC | 95% | £0.00 | £150.00 | £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. Product Switch fee - £150
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 |
||
| 2.99% | 4.89% | 4.7% APRC | 90% | £199.00 | £150.00 | £150.00 | £0.00 | Early Repayment Charges Apply | details |
| 3.49% | 4.89% | 4.7% APRC | 95% | £199.00 | £150.00 | £150.00 | £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% | 5.54% | 5.0% APRC | 75% | £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% | 5.54% | 4.5% APRC | 75% | £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
Expat Buy to Let 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 |
||
| 2.99% | 5.54% | 5.2% APRC | 75% | £499.00 | £800.00 | £800.00 | £1,500.00 | Early Repayment Charges Apply | details |
Early repayment charges - There are no early repayment charges
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 |
||
| 3.34% | 4.89% | 4.8% APRC | 90% | £199.00 | £150.00 | £150.00 | £0.00 | Early Repayment Charges Apply | details |
| 3.84% | 4.89% | 4.9% APRC | 95% | £199.00 | £150.00 | £150.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two.
Expat Buy to 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 |
||
| 3.49% | 5.54% | 4.8% APRC | 75% | £499.00 | £800.00 | £800.00 | £1,500.00 | 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 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% | 4.89% | 4.8% APRC | 75% | £199.00 | £400.00 | £400.00 | £800.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two
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 |
||
| 3.59% | 4.89% | 4.7% APRC | 75% | £199.00 | £0.00 | £400.00 | £800.00 | 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 |
||
| 3.89% | 4.89% | 4.6% APRC | 90% | £199.00 | £150.00 | £150.00 | £0.00 | Early Repayment Charges Apply | details |
| 4.14% | 4.89% | 4.7% APRC | 95% | £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.
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 |
||
| 4.84% | 4.89% | 5.2% APRC | 70% | £199.00 | £0.00 | £400.00 | £800.00 | Early Repayment Charges Apply | details |
Early repayment charges - There are no early repayment charges
Cambridge Variable Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 4.89% | 4.89% | 5.0% APRC | 80% | £199.00 | £0.00 | £0.00 | £0.00 | 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% | 4.89% | 5.2% 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
Need help? Let us call you
My name is , I am .Please call me on +44(0) , We will only use the information you provide to respond to your request. Your personal information will not be used for any other purpose.