What is the minimum and or maximum age I need to be to qualify for a mortgage? October 04, 2019 16:11 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 How long should I have lived in the UK to be considered for a mortgage? I'm retired, can I still apply for a mortgage if I'm on my pension? What are the early repayment charges? Can I apply for a mortgage if I'm on maternity/paternity leave? I’m a contractor – can you help?