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Explainer
Building age and mortgage difficulty
Age matters most at the mortgage stage — and Tudi flags it before you fall in love.
Updated 21 Jul 2026 · Part of Guides
Direct answer
Age matters most at the mortgage stage. Tudi shows age as fact below 55, then flags caution at 55–59 and high at 60+, where loan terms can tighten.
Why age matters
Older buildings can mean shorter loan terms, lower loan-to-value ratios, and heavier maintenance. That changes what the flat is really worth to you.
The risk bands
- Under 55 — shown as fact, not risk
- 55–59 — caution band
- 60+ — high band
Age is not the only risk
Treat age as one input: works notices, light, and thin data change the deal too. Read the full flag list on the listing.
Check the flags on your shortlist
Search an estate and read the risk bands
Educational only — confirm lending terms with a bank.