Why we believe 'Next Chapter Lending' is becoming central to the future of home ownership
Simon Chapman, group head of marketing at Vida Bank, explores why lending into or in retirement is increasingly becoming a mainstream consideration rather than a specialist niche.
The learning objectives for this article are to:
- How changing employment patterns, pension provision and home ownership trends are reshaping affordability assessments.
- Why advisers should consider a customer's entire financial journey rather than simply their age at the end of the mortgage term.
- How lenders can support responsible lending by assessing future affordability through evidence based underwriting rather than historic assumptions.
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