Frequently asked questions on Retirement: Planning for retirement can be difficult, especially if you don't know where to start or the best route for you and your family. Our property specialists have answered your burning questions to help make planning for retirement easier. Coming up to retirement is a big change in every homeowner's life. And being prepared is the key to a happy retirement. Here, we've looked into how you can make the most of your retirement, with or without a mortgage; and how you can decide if you want to pay your mortgage off before retirement. You can also look into making your house an asset when you retire here. Another key factor to consider is your pension. If you don’t, it’s worth starting to pay into one early on. If you don’t have a steady pension in place by the time you retire you may want to consider using any savings that you have to fund your retirement rather than paying off your mortgage in one.