By Air Marketing Team Are your clients over 50? With over £3.7 trillion in property wealth held by the over-50s (JUST, 2025) and 60% of residential mortgages now extending into retirement, the later life lending market represents one of the biggest growth opportunities in financial services. Yet navigating this space can be challenging, with evolving regulation, complex product variations, and the need for the right tools and structured support, that’s where Air comes in! Air is the UK’s leading and award-winning platform and club, built to help advisers unlock opportunities with their over 50s clients. Whether you’re a later life lending specialist already or exploring these products for the first time, Air provides the community connection, tools and expert support you need to seize the opportunity. Unlock value with the Air Club community The later life market is evolving quickly but you don’t need to navigate it alone. Air Club, our free membership community of more than 10,000 members, is designed to support advisers at every stage of their journey. As a member, you gain access to: • A community of specialists, supporting you to build relationships, share expertise and grow your prospect pipeline • Exclusive market insights, including trends, product developments and regulatory updates • Lead-generation resources, from clientfriendly materials to adviser-ready templates • Tools and industry-leading sourcing technology • An LIBF-accredited education programme For advisers not currently operating in the later life space, Air Club offers the ideal pathway into the market. For those already advising on lifetime mortgages, Air Club ensures you remain equipped with the tools, support and regulatory awareness needed to succeed in a fast-changing environment. Where does the latest budget come in? Recent UK budget announcements - including proposed changes to pension treatment under IHT, continued freezes to income tax and IHT thresholds, and potential property-based taxes such as a mansion tax, have significantly changed the tax and inheritance planning landscape. These shifts put pressure on older homeowners to think carefully about how they use their housing wealth. For many clients, their home is their largest single asset. These tax changes, combined with rising living costs and economic uncertainty, are pushing more over-50s toward flexible, later life lending solutions. As demand for borrowing among older homeowners rises, advisers have a growing duty to ensure clients are aware of all their options. Indeed, recent industry reporting shows borrowing by older homeowners is climbing rapidly. In Q3 2025, new loans to older borrowers rose sharply - both in number and value, underscoring a strong shift toward later life lending across the UK. In this environment, being able to offer your customers a wider range of options could be critical for their future financial wellbeing. And so, having access to a specialist platform, a supportive community and ongoing training is essential. 08 MORTGAGE NEWSLETTER Unlock your Potential with Air
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