--- title: Independent Mortgage Advice for Over 50s in Coventry & Warwickshire description: Over 50 and looking for a mortgage in the Coventry & Warwickshire area? We offer expert support to help find the best mortgage for your needs. --- [![Jigsaw Independent Mortgage & Insurance Specialists](https://www.jims.co.uk/hs-fs/hubfs/Jigsaw-logo-master-01%20(1).png?width=173&height=85&name=Jigsaw-logo-master-01%20(1).png "Jigsaw Independent Mortgage & Insurance Specialists")](https://www.jims.co.uk/) [![Jigsaw-logo-master-01 (1)](https://www.jims.co.uk/hs-fs/hubfs/Jigsaw-logo-master-01%20(1).png?width=173&height=85&name=Jigsaw-logo-master-01%20(1).png "Jigsaw-logo-master-01 (1)")](https://www.jims.co.uk/) - About - [About us](https://www.jims.co.uk/about-us) - [Meet the team](https://www.jims.co.uk/meet-the-team) - Mortgages - [First Time Buyers](https://www.jims.co.uk/mortgage-for-first-time-buyers) - [Remortgaging](https://www.jims.co.uk/remortgage-broker) - [Buy to let](https://www.jims.co.uk/buy-to-let) - [Limited Company Directors](https://www.jims.co.uk/mortgage-for-limited-company-director) - [Self employed](https://www.jims.co.uk/mortgage-loans-for-self-employed) - [Product transfer](https://www.jims.co.uk/mortgage-product-transfer) - [Mortgages over 50s](https://www.jims.co.uk/mortgage-for-over-50) - [Homemovers](https://www.jims.co.uk/home-mover-mortgage) - Insurance & protection - [Life insurance](https://www.jims.co.uk/life-insurance-for-mortgage) - [Critical illness cover](https://www.jims.co.uk/critical-illness-cover-uk) - [Mortgage protection](https://www.jims.co.uk/mortgage-protection-coverage) - [Family Protection](https://www.jims.co.uk/family-protection-cover) - [Income protection](https://www.jims.co.uk/income-protection-cover) - Resources - [Blog](https://www.jims.co.uk/blog) - [Contact us](https://www.jims.co.uk/contact-us) More results [![Calculate my mortgage](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251402243298.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLIALk46EfBkTwOUk%2BD8CtOXea2z%2BBmppPgDx2xTMlpfI9nywWye4ue4QaLd1ovExwgMuTXhHLAlNaY9Oha%2FJ5uIfHAdAM3WETyYjHgtQrOMxH4UxZiFOYNAGTVmQzVY7t4FU34%2BOAUJ7JhiUuWEd%2BQ0wc1WxO6Io%2BEbuYAmGca7XqvnD1iBFjNlbtPhjLKbU7oZOeyvooIFVfi%2FWHo%2F3OtgWhTB&webInteractiveContentId=251402243298&portalId=146424792) [![Calculate my mortgage](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251402243298.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLIALk46EfBkTwOUk%2BD8CtOXea2z%2BBmppPgDx2xTMlpfI9nywWye4ue4QaLd1ovExwgMuTXhHLAlNaY9Oha%2FJ5uIfHAdAM3WETyYjHgtQrOMxH4UxZiFOYNAGTVmQzVY7t4FU34%2BOAUJ7JhiUuWEd%2BQ0wc1WxO6Io%2BEbuYAmGca7XqvnD1iBFjNlbtPhjLKbU7oZOeyvooIFVfi%2FWHo%2F3OtgWhTB&webInteractiveContentId=251402243298&portalId=146424792) [![Calculate my mortgage](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251402243298.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLIALk46EfBkTwOUk%2BD8CtOXea2z%2BBmppPgDx2xTMlpfI9nywWye4ue4QaLd1ovExwgMuTXhHLAlNaY9Oha%2FJ5uIfHAdAM3WETyYjHgtQrOMxH4UxZiFOYNAGTVmQzVY7t4FU34%2BOAUJ7JhiUuWEd%2BQ0wc1WxO6Io%2BEbuYAmGca7XqvnD1iBFjNlbtPhjLKbU7oZOeyvooIFVfi%2FWHo%2F3OtgWhTB&webInteractiveContentId=251402243298&portalId=146424792) - About - [About us](https://www.jims.co.uk/about-us) - [Meet the team](https://www.jims.co.uk/meet-the-team) - Mortgages - [First Time Buyers](https://www.jims.co.uk/mortgage-for-first-time-buyers) - [Remortgaging](https://www.jims.co.uk/remortgage-broker) - [Buy to let](https://www.jims.co.uk/buy-to-let) - [Limited Company Directors](https://www.jims.co.uk/mortgage-for-limited-company-director) - [Self employed](https://www.jims.co.uk/mortgage-loans-for-self-employed) - [Product transfer](https://www.jims.co.uk/mortgage-product-transfer) - [Mortgages over 50s](https://www.jims.co.uk/mortgage-for-over-50) - [Homemovers](https://www.jims.co.uk/home-mover-mortgage) - Insurance & protection - [Life insurance](https://www.jims.co.uk/life-insurance-for-mortgage) - [Critical illness cover](https://www.jims.co.uk/critical-illness-cover-uk) - [Mortgage protection](https://www.jims.co.uk/mortgage-protection-coverage) - [Family Protection](https://www.jims.co.uk/family-protection-cover) - [Income protection](https://www.jims.co.uk/income-protection-cover) - Resources - [Blog](https://www.jims.co.uk/blog) - [Contact us](https://www.jims.co.uk/contact-us) [![Calculate my mortgage](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251402243298.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLIALk46EfBkTwOUk%2BD8CtOXea2z%2BBmppPgDx2xTMlpfI9nywWye4ue4QaLd1ovExwgMuTXhHLAlNaY9Oha%2FJ5uIfHAdAM3WETyYjHgtQrOMxH4UxZiFOYNAGTVmQzVY7t4FU34%2BOAUJ7JhiUuWEd%2BQ0wc1WxO6Io%2BEbuYAmGca7XqvnD1iBFjNlbtPhjLKbU7oZOeyvooIFVfi%2FWHo%2F3OtgWhTB&webInteractiveContentId=251402243298&portalId=146424792) ![Jigsaw-logo-master-01 (1)](https://www.jims.co.uk/hs-fs/hubfs/Jigsaw-logo-master-01%20(1).png?width=243&height=119&name=Jigsaw-logo-master-01%20(1).png) 104 - 106 Moseley Avenue, Coundon, Coventry, CV6 1HQ [info@jigsawindependent.co.uk](mailto:info@jigsawindependent.co.uk) [0800 177 7890](tel:0800%20177%207890) # Over 50s mortgage advice in Coventry & Warwickshire Finding a lender flexible enough to approve a mortgage later in life can be challenging. As independent mortgage brokers based in Coventry, we help over-50s across Warwickshire and the wider West Midlands navigate complex lending criteria to find the right mortgage for their retirement years.  [![How much can I borrow](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251402245327.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLJGoe2Wj4t%2B5UFncEAh780tRAPu%2Fez5UivvDOst2l5rtdfmrvi0vW%2FXDfYVz0z0ZlULY9zph%2FvG3bjha4%2F2YjOwqjxiuej1v6Gi9Ub%2F6Pa%2B8AmOwmucfqQTQX%2FTLDVoobOI7EpK7rpk1wOeHbG%2FAVsJvIOmVSM47ZxdQ4y8AKiS%2B%2B5IZAc5r6%2Bujr19Qzgm9J6xd5RLg6yRmSSjcazjTQSv0w%2FR&webInteractiveContentId=251402245327&portalId=146424792) ![Over 50s mortgage advice in Coventry & Warwickshire](https://www.jims.co.uk/hubfs/Jigsaw%20Images%20(1).svg) ![Rate match guarantee](https://www.jims.co.uk/hubfs/Gurantee%20(2).svg) ### Rate match guarantee #### You won't find a better deal anywhere else and if you do we will pay the difference! ## Can I get a mortgage if I am over 50? If you're over 50 getting a mortgage can feel like stepping into the unknown. Lenders ask different questions. You might be thinking about retirement, and you’re probably wondering how your income, whether from work, pensions, or investments, affects what you can borrow. At Jigsaw, we take the confusion out of the process. Whether you’re moving house, remortgaging, or releasing equity, we help you find a solution that fits your life stage, with honest, personal advice at every step. As independent brokers, we compare the entire market to help you [**find lenders with flexible age limits for over 50s**](https://www.jims.co.uk/contact-us).  [![Calculate my mortgage](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251402243298.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLIALk46EfBkTwOUk%2BD8CtOXea2z%2BBmppPgDx2xTMlpfI9nywWye4ue4QaLd1ovExwgMuTXhHLAlNaY9Oha%2FJ5uIfHAdAM3WETyYjHgtQrOMxH4UxZiFOYNAGTVmQzVY7t4FU34%2BOAUJ7JhiUuWEd%2BQ0wc1WxO6Io%2BEbuYAmGca7XqvnD1iBFjNlbtPhjLKbU7oZOeyvooIFVfi%2FWHo%2F3OtgWhTB&webInteractiveContentId=251402243298&portalId=146424792) ![Od-lady-working-on-taxes](https://www.jims.co.uk/hs-fs/hubfs/Images/Od-lady-working-on-taxes.webp?width=2438&height=1875&name=Od-lady-working-on-taxes.webp) ## What is a mortgage over 50? A “mortgage over 50” simply means securing a mortgage when you're 50 or older. It can take a few different forms depending on your financial situation, property plans, and long-term goals: #### Residential mortgage A standard mortgage where you repay both capital and interest monthly. Suitable for those still working or with strong retirement income. #### Retirement interest-only (RIO) mortgage You pay just the interest each month. The loan is repaid when the property is sold (usually when you pass away or move into long-term care). Ideal for keeping monthly costs down while retaining ownership. #### Lifetime mortgage (equity release) Let you release tax-free cash from your home, with no required monthly repayments. Interest is added to the loan and repaid when the property is sold. Suitable for those wanting to unlock value from their home in later life. ![Research-on-the-internet](https://www.jims.co.uk/hs-fs/hubfs/Images/Research-on-the-internet.webp?width=2438&height=1875&name=Research-on-the-internet.webp) ## Who might this be right for? - Homeowners planning to move or downsize - People aged 50 and over with equity in their property - Clients looking to remortgage to reduce monthly payments - Individuals supporting family or preparing for retirement - Landlords or second-time buyers restructuring their mortgage [![How much can I borrow](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251402245327.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLJGoe2Wj4t%2B5UFncEAh780tRAPu%2Fez5UivvDOst2l5rtdfmrvi0vW%2FXDfYVz0z0ZlULY9zph%2FvG3bjha4%2F2YjOwqjxiuej1v6Gi9Ub%2F6Pa%2B8AmOwmucfqQTQX%2FTLDVoobOI7EpK7rpk1wOeHbG%2FAVsJvIOmVSM47ZxdQ4y8AKiS%2B%2B5IZAc5r6%2Bujr19Qzgm9J6xd5RLg6yRmSSjcazjTQSv0w%2FR&webInteractiveContentId=251402245327&portalId=146424792) ## Eligibility & what you’ll need Lenders will typically look at: - Your age and retirement plans - Income (from employment, pension, rental, or investments) - Affordability (now and post-retirement) - Deposit or equity levels - Credit history - Property type and value You may only need one source of income, and many lenders now accept pension drawdown, self-employed income, or dividends. Calculating affordability when you are older requires a human touch that standard online tools simply can't capture. Before trying general estimators, take a moment to [**request a fee-free over-50s mortgage consultation**](https://www.jims.co.uk/contact-us) with our Coventry team either over the phone or at our Coundon office. [![Calculate my mortgage](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251402243298.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLIALk46EfBkTwOUk%2BD8CtOXea2z%2BBmppPgDx2xTMlpfI9nywWye4ue4QaLd1ovExwgMuTXhHLAlNaY9Oha%2FJ5uIfHAdAM3WETyYjHgtQrOMxH4UxZiFOYNAGTVmQzVY7t4FU34%2BOAUJ7JhiUuWEd%2BQ0wc1WxO6Io%2BEbuYAmGca7XqvnD1iBFjNlbtPhjLKbU7oZOeyvooIFVfi%2FWHo%2F3OtgWhTB&webInteractiveContentId=251402243298&portalId=146424792) ![Looking-for-a-house](https://www.jims.co.uk/hs-fs/hubfs/Images/Looking-for-a-house.webp?width=2438&height=1875&name=Looking-for-a-house.webp) ## Costs to consider The total cost will depend on the type of mortgage and your lender. You should budget for: #### Deposit (typically 25% if not remortgaging) #### Mortgage fees (arrangement, valuation, legal) #### Interest payments (monthly or rolled up) #### Equity release set-up fees (if applicable) #### Ongoing home ownership costs (insurance, maintenance) ## The Jigsaw process: What to expect Our process is simple, supportive, and built around you: Step 1 ### Initial phone call We’ll ask a few questions and confirm if we can help. If it’s a good fit, we’ll book your full appointment. Step 1 Step 2 ### Fact-finding appointment This is where we get into the details, your income, goals, budget, and the type of mortgage that might work best. Step 2 Step 3 ### Agreement in principle Once we’ve matched you with the right lender, we’ll secure your AIP so you can move forward with confidence. Step 3 Step 4 ### Application & completion We handle the full application and guide you through to completion. This usually takes around 2–3 weeks. Step 4 [![I need a mortgage in principal](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251400168690.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLLpU3zhaXMqVlbqDvBLoKPMxVIV5tO%2F%2Fi39Tg0DZ%2FgYdr36RjCp0fN%2FNJTrIFhObHgH9r8MEKvWxjSqrttS%2BQbIUDUFowfs1pS1o25qV%2FIOJ9BaolfYgkxu4E2BYYCLHet%2FVV08Z7B%2Bz4KreRd8tvkS%2F%2FOc%2B0yU00lI7VUBVJfanBXxBQeJ1lY%2BU%2Fpc5FeZmXCAbgW%2BLUVAlPfqOwoszXq1s0hKzWw24uyH%2BvLyTasMqtCW0g%3D%3D&webInteractiveContentId=251400168690&portalId=146424792) ## Common questions asked Can I get a mortgage if I’m already retired? Yes, depending on your income, age, and the lender’s criteria. Pension income, investments, and rental income can all count. What’s the difference between a RIO and a lifetime mortgage? RIO mortgages require interest payments monthly. Lifetime mortgages do not, the interest is added and paid when the property is sold. Can I use equity release for home improvements or to support my children? Yes. Many clients use it to help with renovations, family support, or to supplement retirement income. How much can I borrow? It depends on your income, age, and property value. We’ll help calculate this accurately. [Back to top](https://www.jims.co.uk/mortgage-for-over-50#top) ![House-in-finalised-and-deal-is-locked](https://www.jims.co.uk/hs-fs/hubfs/Images/House-in-finalised-and-deal-is-locked.webp?width=2438&height=1875&name=House-in-finalised-and-deal-is-locked.webp) ## Start planning your future today Whether you're just starting to think about your options or ready to move forward, we’re here to help. It starts with a conversation, no pressure, no obligation. [Get in touch](https://www.jims.co.uk/contact-us) to book your free appointment and find out what’s possible. [![Contact us](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-276195432684.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLIlWwva7COJdBAfByRfZ0sxlK%2FtKS5zrG8lO4YwclQisE0YDbUj67Yl4xgJC2I%2BwirVZLVXbAvnoasUC2Wo7tgtQbIMLy%2F4hcry%2B4NWkjZYPC49yEpkSSB9lYSOHv9n%2Fm08cxz4hBxVFly0ZC%2B%2B5S%2BTk0ENsj1UDb2JWegvD49buY1%2BBYYsWTiPVWkEYrWCvPCBUhWP%2FAqp%2FJXXkij%2B78ccI3UpFw%3D%3D&webInteractiveContentId=276195432684&portalId=146424792) ## How can we help you? ![Get a quick estimate of your buying power](https://www.jims.co.uk/hs-fs/hubfs/Rate%20match.webp?width=100&height=100&name=Rate%20match.webp) ### Know your budget Get a quick estimate of your buying power based on your income and budget. [![How much can I borrow](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251402245327.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLJGoe2Wj4t%2B5UFncEAh780tRAPu%2Fez5UivvDOst2l5rtdfmrvi0vW%2FXDfYVz0z0ZlULY9zph%2FvG3bjha4%2F2YjOwqjxiuej1v6Gi9Ub%2F6Pa%2B8AmOwmucfqQTQX%2FTLDVoobOI7EpK7rpk1wOeHbG%2FAVsJvIOmVSM47ZxdQ4y8AKiS%2B%2B5IZAc5r6%2Bujr19Qzgm9J6xd5RLg6yRmSSjcazjTQSv0w%2FR&webInteractiveContentId=251402245327&portalId=146424792) ![Get a mortgage in principle](https://www.jims.co.uk/hs-fs/hubfs/3.webp?width=100&height=100&name=3.webp) ### Get mortgage in principle Secure a lender-backed agreement to strengthen your offer on a property. [![I need a mortgage in principal](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251400168690.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLLpU3zhaXMqVlbqDvBLoKPMxVIV5tO%2F%2Fi39Tg0DZ%2FgYdr36RjCp0fN%2FNJTrIFhObHgH9r8MEKvWxjSqrttS%2BQbIUDUFowfs1pS1o25qV%2FIOJ9BaolfYgkxu4E2BYYCLHet%2FVV08Z7B%2Bz4KreRd8tvkS%2F%2FOc%2B0yU00lI7VUBVJfanBXxBQeJ1lY%2BU%2Fpc5FeZmXCAbgW%2BLUVAlPfqOwoszXq1s0hKzWw24uyH%2BvLyTasMqtCW0g%3D%3D&webInteractiveContentId=251400168690&portalId=146424792) ![See what your monthly payments could look like](https://www.jims.co.uk/hs-fs/hubfs/4.webp?width=100&height=100&name=4.webp) ### See your monthly payments See what your monthly payments could look like with our easy mortgage calculator. [![Calculate my mortgage](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251402243298.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLIALk46EfBkTwOUk%2BD8CtOXea2z%2BBmppPgDx2xTMlpfI9nywWye4ue4QaLd1ovExwgMuTXhHLAlNaY9Oha%2FJ5uIfHAdAM3WETyYjHgtQrOMxH4UxZiFOYNAGTVmQzVY7t4FU34%2BOAUJ7JhiUuWEd%2BQ0wc1WxO6Io%2BEbuYAmGca7XqvnD1iBFjNlbtPhjLKbU7oZOeyvooIFVfi%2FWHo%2F3OtgWhTB&webInteractiveContentId=251402243298&portalId=146424792) ## Find out what you can afford in minutes ***Get clarity before you start house hunting*** Understanding what you can realistically afford is the first step towards a stress-free home-buying journey. Our affordability tool gives you a quick, realistic estimate of how much you may be able to borrow, based on your income, outgoings, and deposit. ***A quick check, with no impact on your credit score*** The tool is completely free to use, takes just a couple of minutes, and won’t affect your credit score — so you can explore your options with confidence and no pressure. ***Plan with confidence, whatever your next step*** Whether you’re a first-time buyer, moving home, or simply exploring what’s possible, this check helps you set a clear budget, focus on the right properties, and avoid unwelcome surprises later on. [![How much can I borrow](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251402245327.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLJGoe2Wj4t%2B5UFncEAh780tRAPu%2Fez5UivvDOst2l5rtdfmrvi0vW%2FXDfYVz0z0ZlULY9zph%2FvG3bjha4%2F2YjOwqjxiuej1v6Gi9Ub%2F6Pa%2B8AmOwmucfqQTQX%2FTLDVoobOI7EpK7rpk1wOeHbG%2FAVsJvIOmVSM47ZxdQ4y8AKiS%2B%2B5IZAc5r6%2Bujr19Qzgm9J6xd5RLg6yRmSSjcazjTQSv0w%2FR&webInteractiveContentId=251402245327&portalId=146424792) [![Lets Talk..](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-384044057826.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLLU68JHlit0AXE%2BZQfLI8tz0PDWlivFNXJ1wisN1oSOQWd%2BsfzzxyRFozhSMZ5XdqdDrLgGShkQB%2BVNytKNfjUXGDUEiH7fMyjYZfzm4hPpuhDnhrnAmL%2BpIAOPMUErJ71k1%2F%2BvOqxCMd52roNFZR%2BlHjZjbY6q1P0ccPWvsMCF%2FN%2FUF5zlh4G96Y3EDd%2BMOdlymMvReAwmCCkpp08q9iA%3D&webInteractiveContentId=384044057826&portalId=146424792) ![Find out what you can afford in minutes](https://www.jims.co.uk/hubfs/Jigsaw%20Mockup.svg) ### Whether you're buying or remortgaging, we’ll give you clear advice so you can make informed decisions [![Call us](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-388830883035.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLL7SimhQIrt1%2Ff3idXla7RM88dFmogx3n4yQZIu3RxKk7YfXsRiOduApb444JNAX6WoNpljtUFR23AvGftYXIHM%2F3hFfxLrcDOB2RRSqDBa5jUsETBr55hc4F2mTfp3OS27Zzr%2FtrVhznqCM95Uup%2BnX8TLOv8E4o18D61U%2F4nHq80%2B6VPfeQ%3D%3D&webInteractiveContentId=388830883035&portalId=146424792) #### [![Jigsaw Independent Mortgage & Insurance Specialists](https://www.jims.co.uk/hs-fs/hubfs/Jigsaw-logo-master-01%20(1).png?width=182&height=89&name=Jigsaw-logo-master-01%20(1).png)](https://www.jims.co.uk/) 104 - 106 Moseley Avenue, Coundon, Coventry, CV6 1HQ **Registration No:** 04654900   [0800 177 7890](tel:%200800%20177%207890) [info@jigsawindependent.co.uk](mailto:info@jigsawindependent.co.uk) About - [About us](https://www.jims.co.uk/about-us) - [Meet the team](https://www.jims.co.uk/meet-the-team) - [Blogs](https://www.jims.co.uk/blog) Mortgages - [First time buyers](https://www.jims.co.uk/mortgage-for-first-time-buyers) - [Remortgaging](https://www.jims.co.uk/remortgage-broker) - [Buy to let](https://www.jims.co.uk/buy-to-let) - [Limited company directors](https://www.jims.co.uk/mortgage-for-limited-company-director) - [Self employed](https://www.jims.co.uk/mortgage-loans-for-self-employed) - [Product transfer](https://www.jims.co.uk/mortgage-product-transfer) - [Mortgages over 50s](https://www.jims.co.uk/mortgage-for-over-50) Insurance Protection - [Life insurance](https://www.jims.co.uk/life-insurance-for-mortgage) - [Critical illness cover](https://www.jims.co.uk/critical-illness-cover-uk) - [Mortgage protection](https://www.jims.co.uk/mortgage-protection-coverage) - [Family protection](https://www.jims.co.uk/family-protection-cover) - [Income protection](https://www.jims.co.uk/income-protection-cover) Jigsaw Independent Mortgage Specialists Ltd is Authorised and Regulated by the Financial Conduct Authority (FCA Number: 449134). Your home may be repossessed if you do not keep up repayments on your mortgage. Copyright © 2026 Jigsaw Independent Mortgage Specialists. Designed & developed by [JDR Group](http://www.jdrgroup.co.uk). - [Terms](https://www.jims.co.uk/terms-conditions) - [Privacy](https://www.jims.co.uk/privacy-policy) - [Cookies](https://www.jims.co.uk/cookie-policy) ```json { "@context" : "https://schema.org", "@type" : "LocalBusiness", "address" : { "@type" : "PostalAddress", "addressCountry" : "UK", "addressLocality" : "Coventry", "postalCode" : "CV6 1HQ", "streetAddress" : "104 - 106 Moseley Avenue, Coundon" }, "alternateName" : "Jigsaw Independent", "contactPoint" : { "@type" : "ContactPoint", "areaServed" : "GB", "availableLanguage" : "en", "contactType" : "customer service", "telephone" : "+44 800 177 7890" }, "geo" : { "@type" : "GeoCoordinates", "latitude" : 52.4196, "longitude" : -1.5343 }, "image" : "https://www.jims.co.uk/hubfs/Jigsaw%20Mockup.svg", "logo" : "https://www.jims.co.uk/hs-fs/hubfs/Jigsaw-logo-master-01%20(1).png", "name" : "Jigsaw Independent Mortgage Specialists Ltd", "openingHours" : [ "Mo 09:30-18:00", "Tu 09:30-18:00", "We 09:30-18:00", "Th 09:30-18:00", "Fr 09:30-18:00", "Sa Closed", "Su Closed" ], "priceRange" : "£", "sameAs" : [ "https://www.facebook.com/jigsawindependent/" ], "telephone" : "0808 531 0462", "url" : "https://www.jims.co.uk/" } ``` ```json { "@context" : "https://schema.org", "@type" : "FAQPage", "mainEntity" : [ { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Yes, depending on your income, age, and the lender’s criteria. Pension income, investments, and rental income can all count." }, "name" : "Can I get a mortgage if I’m already retired?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "RIO mortgages require interest payments monthly. Lifetime mortgages do not, the interest is added and paid when the property is sold." }, "name" : "What’s the difference between a RIO and a lifetime mortgage?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Yes. Many clients use it to help with renovations, family support, or to supplement retirement income." }, "name" : "Can I use equity release for home improvements or to support my children?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "It depends on your income, age, and property value. We’ll help calculate this accurately." }, "name" : "How much can I borrow?" } ] } ``` ```json { "@context" : "https://schema.org", "@type" : "WebPage", "description" : "Over 50 and looking for a mortgage in the Coventry & Warwickshire area? We offer expert support to help find the best mortgage for your needs.", "inLanguage" : "en-GB", "name" : "Independent Mortgage Advice for Over 50s in Coventry & Warwickshire", "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.jims.co.uk/hs-fs/hubfs/Jigsaw-logo-master-01%20(1).png" }, "name" : "Jigsaw Independent Mortgage Specialists Ltd", "url" : "https://www.jims.co.uk/" }, "url" : "https://www.jims.co.uk/mortgage-for-over-50" } ``` ```json { "@context" : "https://schema.org", "@type" : "BreadcrumbList", "itemListElement" : [ { "@type" : "ListItem", "item" : "https://www.jims.co.uk/", "name" : "Home", "position" : 1 }, { "@type" : "ListItem", "item" : "https://www.jims.co.uk/mortgage-for-over-50", "name" : "Mortgages Over 50s", "position" : 2 } ] } ```