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online loans Middle age mortgage Forget it6 Dec, 2014 04:00 PM4 minutes to readMortgage broker John Bolton added it became much more difficult to borrow money as people got older. Photo / ThinkstockHerald on SundayBanks shy away from older would be borrowers with only pension prospects.Middle aged home buyers face being locked out of the property market because banks are worried they are too old to pay off their mortgage before they retire.The Herald on Sunday has been told that New Zealand’s main banks had “unofficial policies” on how they would approach lending to those who decided to buy a first home later in their lives, or who were starting again after a marriage split.An industry expert said that included a stance to turn away many potential borrowers who would have to rely on the pension before the repayment term of the loan was up.Banking expert Claire Matthews said banks would never admit to imposing an age limit because it was illegal to discriminate on the basis of age.But she said unofficially they would have one because of fears borrowers would not be able to meet the payments.”They’ve got to ask about income source. “The bank wants to be repaid and not to have to sell the house to do it,” she said.Mortgage broker John Bolton added it became much more difficult to borrow money as people got older, especially if they did not have a lot of equity..online loans

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