Helping My Son With a Mortgage.

K_S

@bostonr I can only echo what others have said above. Based on the limited info in your post, including the part about substantial post-retirement income which can be evidenced, there should be at least a couple of routes to take to achieve the outcome you are looking for, with the right lender and product. Good luck!

getmore4less

BostonR said:

Thank you. I will follow up on the JBSP.

On pension, I am on a final salary scheme, so when I do retire this is reasonably gold-plated. I cannot touch this pot until I retire or am offered early retirement. If I retired today I could take £250K as a lump sum. We both work in Pharma R&D and given the current situation both our respective companies want us to work on.

With £200k gross, a few years working, decent pension(s)  and £250k lump on retirement along with a massive IHT bill on death.

BostonR said:

7. I am reluctant to throw our savings in as we may need those for a rainy day.
 

What rainy days are you thinking of?

gift him to get to 60% LTV for the best rates 

You don't seem to need all the current cash saving unless you are haemorrhaging  money from you £10k+ net before pension contributions