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Later life, including RIO

Looking beyond equity release: Unlocking later life lending opportunities

Affordability pressures continue to shape borrowing decisions across the mortgage market. Older borrowers are becoming an increasingly important source of support for first-time buyers facing rising deposit requirements and affordability pressures.
5 min read
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Later life, including RIO

Equity release and the end of the fixed rate: Why advisers need to rethink their approach for clients over 55

For many homeowners over 55, the end of a fixed-rate mortgage is no longer a straightforward remortgage exercise.
5 min read
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Next chapter lending is key if we are serious about home ownership

The mortgage industry has always been fond of labels. Yet sometimes those labels outlive their usefulness. Later life lending is one such example.
5 min read
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Later life, including RIO

Navigating later life lending in a more considered market

Economic uncertainty is continuing to affect borrower confidence, and many people are taking longer to make decisions as they navigate cost pressures, rate uncertainty and a more unpredictable backdrop.
3 min read
Man laughing in garden
Later life, including RIO

Regional differences continue to shape later life lending market

Britain’s over-55s are utilising housing equity to improve their life in their later years. But are there regional differences in the type of people using lifetime mortgages to reach their later life financial goals.
3 min read
Women laughing on sofa
Later life, including RIO

Why later life lending starts much earlier than many borrowers realise

Most borrowers don’t expect to carry a mortgage into retirement. Yet for a growing number, that’s exactly what is happening.
5 min read
Man on phone
Later life, including RIO

The opportunity in later life lending: Looking beyond the standard mortgage conversation

For many brokers, later life lending remains an underutilised area of the market. Yet there is a growing group of borrowers whose needs don't fit neatly into traditional mortgage criteria.
3 min read
Nick Parker
Specialist lending

Unmortgageable? The property types catching brokers out in 2026

Your client could be perfect on paper and still get rejected for a mortgage.
5 min read
A row of colourful Victorian terraced houses
Bridging

Powering property transformation with bridging

In a market where speed, flexibility and clarity increasingly define success, bridging finance is playing a more important role than ever.
An older couple sat at a desk, being shown a laptop by a female adviser
Specialist lending

1 in 3 homeowners raising capital now choose a second charge

New analysis of UK lending data suggests that around one in three homeowners raising additional capital against their property now use a second charge mortgage rather than re-mortgaging.