Stuart Wilson

Stuart Wilson more2life vulnerability in a digital age

Although the UK arguably boasts more gender equality in society than ever before, the gender pensions gap continues to be a challenge – especially for older women who may not have enjoyed the social and economic freedoms that today’s graduates expect.

Mountains still to climb

We are an industry sometimes inundated with statistical analysis, some of which can often seem utterly contradictory, but for the most part can be informative and – certainly from a later life lending perspective – can show us the mountains we still need to climb.

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A different approach

It’s notable that within our lending space we have to look rather differently at criteria because, for the most part it’s not the client themselves, their affordability, their income, etc, which is being assessed and underwritten, but the property.

Stuart Wilson more2life vulnerability in a digital age

The latest more2life data has revealed that the proportion of over-55s who have been using equity release to fund a property purchase has tripled from 5% in ‘normal’ market conditions to 15% since the outbreak of the pandemic.

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Whether this is because of the pandemic and COVID-19 I don’t know, but it seems undeniable to me that there has been a significant increase in the amount of attempted fraudulent activity.

Stuart Wilson more2life vulnerability in a digital age

Following a year of unprecedented financial challenges, more than a third of people aged 65 and over are worried they will not be able to maintain living standards in retirement.

Outsider perspective

If I was an outsider looking into the equity release and the later life market, part of me might sometimes wonder what all the fuss is about.

Back in my day

Back in my day, breakfast television consisted of BBC’s offering with Frank Bough and Selina Scott, or TV-AM with, well quite frankly, there were so many presenters that I’ve lost count.

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The adviser-client relationship continues to intrigue me.

Stuart Wilson more2life vulnerability in a digital age

Older generations, in many cases, have been powerless against the effects of ongoing negligible savings rates and wavering investment fund performance.