There are 3 main factors lenders use to decide whether or not to offer you a loan as a pensioner or a retiree. These are: the lender\u2019s age requirements; the minimum income they expect you to have; and whether they\u2019re willing to accept a pension as part of that income requirement. Use the table below to see how these factors play out across a range of different lenders. It\u2019s sorted by upper age limit.<\/p>