<prompt> Human: I retired about three years ago and got a very big pension. Sitting on all this cash and not wanting to work in the future, I decided to rent and live off the interest. However, I recently decided that if Im spending around 20k a year on a rental, I might as well get a mortgage. I know where I want to settle down and why not build equity in a piece of property? The problem is that since Ive been retired for a few years, I have no proof of income other than interest from my portfolio. As you can imagine, its pretty hard to get a mortgage without a job. So I was wondering if any of you have any suggestions on how to get a mortgage if I have a lot of cash but no job. Thanks!Edit: my pension was one lump sum retirement package so it cant be considered income as it doesnt come in on an annual basis. Already got all of it. Assistant: If you have cash, why would you need to borrow from others for the house? Human: Because Im currently living off the interest of my cash and I dont want to lose that interest by sinking all my money into a house.  <response>: But youd be losing even more interest each month, since your mortgage would be at a higher interest rate. 