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The UK population may be living and working for longer, but this hasn't stopped lenders running scared from older borrowers.

And while no one wants to return to the reckless lending that led to the financial crash, stricter terms and blanket age restrictions could have serious implications, leaving many responsible borrowers struggling for mortgages, loans, credit cards and overdrafts.

Lenders have been tightening their criteria, with many now not wanting to lend beyond the age of 70 or 75," says Jonathan Harris, director of mortgage broker Anderson Harris.

The biggest hurdle for older borrowers is that they must prove their income in retirement to the lender.

As of last week, however, any West Brom mortgage must end before the person reaches 71.

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Personal"),$family-personal) $variable Names.put($slug Names.get("Government Letters"),$government-letters) $variable Names.put($slug Names.get("Health & Medical"),$health-medical) $variable Names.put($slug Names.get("Landlord/Tenant"),$landlord-tenant) $variable Names.put($slug Names.get("Personal Finance"),$personal-finance) $variable Names.put($slug Names.get("Power of Attorney"),$power-of-attorney) $variable Names.put($slug Names.get("Real Estate"),$real-state) $variable Names.put($slug Names.get("School & Education"),$school-education) If you need to take action to resolve issues with your credit - challenging your credit report, disputing fraudulent action, and letters of notification for address change, change of terms, unauthorized charges, and more.When you are responsible for handling the legal affairs of someone who has died, you are likely to have to get involved in the probate process.With more people forced to wait until they are well into their 30s to get a first foot on the housing ladder, it is increasingly likely that more pensioners will need mortgages – and tighter age restrictions could mean that even homeowners in their late 40s and 50s are unable to remortgage, or move home."Our view is that it's grossly unfair to restrict loans in this way – people need to be judged as individuals," says Paul Green, a spokesman for Saga.He adds that financial institutions have not caught up with a society in which retirement is often phased with people reducing their hours and taking on part-time roles."Society is changing; people are working longer and their capacity to earn money and repay loans continues well into later life", he says.

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