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In this piece, Roland Steere explores the current interest rate environment and its implications for the lifetime mortgage market. It highlights the historical fluctuations of UK Gilt rates, from their stabilisation in the late 1990s to the era of ultra-low rates driven by Quantitative Easing after the 2008 financial crisis.
These unusually low rates persisted for over a decade but ended abruptly in 2022, marking a return to historical norms. For advisers, this new landscape emphasises the importance of timely action, as waiting for further rate reductions could result in missed opportunities for clients.
In this article, Roland underscores the need to educate clients about these changes, helping them understand that current rates reflect long-term averages rather than anomalies.
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These unusually low rates persisted for over a decade but ended abruptly in 2022, marking a return to historical norms. For advisers, this new landscape emphasises the importance of timely action, as waiting for further rate reductions could result in missed opportunities for clients.
In this article, Roland underscores the need to educate clients about these changes, helping them understand that current rates reflect long-term averages rather than anomalies.
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With the later life lending market set to almost double over the next decade, a number of industry experts give their insights to the opportunities that await advisers and intermediaries working in this market.#LLLS2019
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Borrowing in later life report
This report, created in collaboration with the Centre for Economics and Business Research (Cebr), is the fifth and latest of our annual reports which delve into the debt levels of borrowers in later life.
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