Yes, it can be possible to take a 25-year mortgage at age 55, but it depends on the lender and your retirement plans. Many lenders set a maximum age at the end of the term (often linked to 70 or 75, sometimes higher), and criteria vary by provider.
To approve a longer term, the lender will want confidence you can afford the mortgage now and into retirement. That usually means showing a clear plan for income after you stop working, such as pension income, investment income, or a strategy to reduce the balance before retirement.
In practice, options may include choosing a shorter term, structuring the mortgage to remain affordable later on, or using a later-life lending product if that is more suitable.
As always, it’s a good idea to speak to a mortgage adviser to get advice specific to your own situation.
Your home may be repossessed if you do not keep up repayments on your mortgage.