Consider a retirement interest only mortgage

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The benefit for most is that an interest only deal can lower your monthly outgoings significantly, and therefore can be a good solution to short-term financial strain. In turn, they could allow you to increase your borrowing, so if you're finding a lender won't let you borrow the amount you need to buy or remortgage, this could help.

As you will not be paying back your loan itself, you could end up paying significantly more interest in the long-run. Also, you might find the interest rate you get is higher than that of standard repayment mortgages. That's partly because there are fewer lenders who offer interest only mortgages, but also the rates are usually a bit higher.