10:05 – 10:25
Opening keynote presentation: The UK’s economic & property outlook and what it means for later life lending
- Exploring the key economic indicators impacting the UK’s property market over the next 12 – 18 months, including GDP growth, inflation rates, and unemployment figures
- How have economic conditions impacted later life products?
- What is the outlook for the UK’s property market and the implications for the later life lending market?
Hansen Lu, senior economist, Aviva
10:25 – 11:05
Panel discussion: From niche to norm – the future of the later life lending market
- Future trends and potential developments in the market
- How are evolving demographics, economic conditions, and regulatory changes influencing the market?
- The role of technology in shaping the future of the later life lending market
Chris Flowers, intermediary sales director, Royal London
Sanjay Gadhia, head of sales, Standard Life Home Finance
Steve Humphries, proposition director – mortgages, Mortgage Advice Bureau
Pat Oldham, equity release proposition director, LV=
Dan Osman, head of later life lending, UK Moneyman
Moderated by: Jane Finnerty, joint chair, Society of Later Life Lenders
11:05 – 11:45
Panel discussion: The price is right – affordability, lifetime mortgages, and Consumer Duty
- Assessing affordability: best practices for conducting income and expenditure assessments for clients
- Pricing dynamics and how interest rates and product innovation are influencing later life lending
- Strategies for client support and guidance through budgeting and financial planning for sustainable borrowing
Mike Batty, product and propositions director, Legal & General Home Finance
Fran Green, national sales manager, more2life
Les Pick, director of intermediary sales, LiveMore Mortgages
Jess Trueman, head of business development, Smart Money People
Moderated by: Kelly Melville-Kelly, director of risk, policy and compliance, Equity Release Council
12:15 – 12:45 Lightning sessions
12:15 12:30
Getting it right the first time – understand the processes to streamline applications
- The lifetime mortgage lifecycle: from advising to underwriting, surveying, and legal, to completion
- Identify the key information and documents to gather before submitting an application, smoothing its journey through the underwriting process
- Gain a better understanding of the surveying and lender solicitor processes, and the key conversations to have with your clients
- Learn how to identify clients who are under duress and how to mitigate against it
Scott Burman, head of distribution, Pure Retirement
12:30 – 12:45
Improving legal standards in equity release
- The role of legal advisors and solicitors in the equity release process
- How are advisers and lenders adapting to changes in the later life lending market and ensuring ongoing compliance with new legal requirements?
- What are contractual obligations and rights of both the lender and the borrower in equity release agreements?
Matthew Taylor, business development director, Equilaw
12:45 – 13:25
Panel discussion: Serve & protect – customer vulnerability, financial services & best practices.
- Objectives and rationale behind the FCA’s directives and how to alter your business plan and approach to later life lending products accordingly
- What training programs and resources are available for mortgage professionals to help better themselves?
- Insights into potential future challenges in the mortgage market and how to prepare for them
- Strategies for managing and mitigating risks to protect both the customers and the financial institution
Charlotte Grimshaw, head of intermediaries, Suffolk Building Society
Stuart Powell, founder, Advice Guru
Mark Lambert, director, Viva Retirement Solutions
Daniel Wraith, head of product governance, PRIMIS Mortgage Network
Moderated by: Paul Glynn, managing director – B2B services, Key Group
