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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.
Read now
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.
Other articles
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The FCA should make later life lending central to its public discussions | Dave Harris
The government’s ongoing focus on growing the economy has led it down the path to various industry regulators, not least our own FCA, with the request to look at its existing rules to see whether they are holding back activity in any way, shape, or form.
Read more to find out what more2life CEO, Dave Harris, has to say...Read now -
Vulnerability Report 2023
'Who are you calling vulnerable?' - a report on how the equity release market supports its customers
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Managing Director, Ben Waugh, shares his throughts on why asking the right questions is key in a Consumer Duty world
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Equity Release Council update with David Burrowes
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