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Perenna

UK mortgage lender offering long-term fixed rates up to 40 years with no age caps

MortgagesAvailable in English
3.5/ 5
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HQ:United Kingdom
Regulator:FCA (UK), PRA

Rating breakdown

Overall
3.5
Fees
3.5
Platform
3.0
Safety
3.5
Product range
2.5

Pros

  • Long-term fixed rates up to 40 years for payment certainty
  • Borrow up to 6x income — higher than most UK lenders
  • No age caps — accessible for older borrowers

Cons

  • UK-only — not available across Europe
  • Relatively new lender with limited track record
  • No mobile app for mortgage management

Platform & features

Available on

Web platform
Mobile app
Desktop app
API access

Key features

Fractional shares
Savings plan
Demo account
Copy trading

Availability

Languages

English

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Last verified: 23 March 2026. Data confidence: high. Full risk disclaimer