We can accept applications where all customers are already retired or are due to retire within the term of the loan.

Planned retirement age must be keyed and cannot exceed 75.

Underwriters will assess whether the planned retirement age is reasonable for the line of work, e.g. in the case of physically demanding roles.

The following list provides generally accepted guidelines; however, it is not exhaustive, as underwriters have final discretion:

• Clerical/office-based roles: acceptable up to age 75
• Retail-Based Roles: acceptable up to age 75
• Self-employed Customers with employees: acceptable up to age 75
• Physically demanding roles (e.g., tradesmen, ground workers, firefighters) or roles requiring physical capability (e.g., drivers, pilots, hair and beauty professionals) additional justification will be required for us to consider using the income past the age of 70
• Professional sportspeople are assessed on a case-by-case basis - please refer to Gen H prior to submission.