Later Life Mortgages to Be Put Under Spotlight by City Regulator

Later life mortgages to be put under spotlight by City regulator

Lifetime and retirement interest only mortgages could play a greater role in future, the Financial Conduct Authority said.

FCA launches study into barriers in later life mortgage market

The Financial Conduct Authority (FCA) launched a market study into later life mortgages, including lifetime and RIO products.

FCA launches later life lending market study

The Financial Conduct Authority (FCA) has launched a market study of later life lending to see if the sector can be improved. The regulator said: "We are

Royal London comment: FCA later life mortgage study

FCA later life mortgage market study welcomed by Royal London

Royal London has welcomed the FCA’s terms of reference for its market study into later life mortgages, emphasising the importance of holistic advice that considers both housing wealth and pensions. Jamie Jenkins, Director of Policy at Royal London, highlights the need for a regulatory framework that supports joined-up solutions, enabling advisers to help clients make the most of all their assets and achieve better outcomes in retirement. Jamie J…

FCA publishes terms of reference for its market study into later life mortgages

On 20 March 2026, the Financial Conduct Authority (FCA) published the terms of reference for its market study into later life mortgages.BackgroundThe FCA explained that it’s launching a market study to examine whether change is needed to enable the lifetime and retirement interest only mortgage sector to meet consumers’ changing needs.SummaryThe FCA highlighted that this market study will investigate challenges in this market, including: Underst…