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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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