What is the minimum and or maximum age I need to be to qualify for a mortgage? November 11, 2019 16:52 Updated You need to be 21 to apply for a mortgage with us. The maximum age you can be at the end of your requested mortgage term is 85 subject to meeting our eligibility criteria. Related articles I'm retired, can I still apply for a mortgage if I'm on my pension? How long should I have lived in the UK to be considered for a mortgage? What information or documents do I need to provide? What is a SIC code and how do I find my company’s SIC code? What are the early repayment charges?