The mortgage market for older people has changed dramatically in the last few years, as more people are borrowing at a later stage in their life, as retirement itself has changed.

More and more people are borrowing later into their life, as they are no longer completely giving up work, the minute they stop working full-time. 

Some people have other assets that generate income to fall back on, and so the lending market has stepped up and tried to accommodate.

For the less fortunate, this has become particularly pressing as the pandemic has forced many into more challenging circumstances; some of them may be able to call on their property to help them out.

This guide looks at some of the issues involved, and is worth an indicative 60 minutes' CPD.