The Hodge Hub

Visit the Hub for a wealth of insight that will engage and support you in growing your later life proposition. Find out more about Hodge Lifetime, our product range and how we can help you in this flourishing market.

Affordability

For Mortgage Solutions for your Later Life Borrowers, think Hodge Lifetime.

We are a nation of people living longer. Recent FCA data states the total amount of mortgage debt held by over-65s is projected to almost double from £20.1bn to £39.9bn by 2030. Their ageing population …

News

Hodge Lifetime wins Best Equity Release Provider Award three years running

Hodge Lifetime are honoured to have won the Best Equity Release Provider Award from Paradigm for 2017 – a hat-trick as we’ve now won this for the last 3yrs! The equity release market has grown dramatically …

Affordability

Later Life Affordability Assessments: Key Questions

When discussing lending needs with a client it’s essential to consider their financial situation both now, and over the term of the mortgage. As a responsible lender, we encourage all advisers and clients to plan …

Why Hodge

The Hodge Foundation

Doing the right thing is important to us. We’ve been active in the later life market for over 50 years, and throughout that time we’ve always strived to support the communities that we operate in. In …

Size Of Opportunity

Serving Interest Only Borrowers

According to CML Economics, there were just over 1.5m pure interest only mortgages outstanding as at the end of 2016 and an estimated 1.35m at the end of 2017. Whilst the total is dropping around …

Size Of Opportunity

Drivers of Later Life Lending Demand

Here’s our view of the top 7 factors driving the growth of later life lending. Increased life expectancy We are living longer. In the UK, the average life expectancy of those born in 2013 is over 90 …

Product Journey

Segmenting Later Life Borrowers

Hodge Lifetime mortgages are specifically designed to meet a range of client needs. When discussing with your clients, there are some fundamentals that can help you navigate our product range. Using affordability and attitude to risk …

Product Journey

Identifying the Needs of Later Life Borrowers

Many of us go through life with aspirations and expectations as to what we’re working towards. For some it’s financial independence as soon as possible, for others could be having a rich and fulfilled life. …

Product Journey

Changing Client Needs Over Time

Living for 20+ years beyond typical working age means needs are going to change. Retirement is typically viewed as a single monolithic event, but in reality it’s several stages, and for many retirees each phase …

Affordability

Quick Guide to Affordability

We assess affordability on the basis of disposable income. As a responsible lender, we consider a client's affordability over the lifetime of the mortgage, not just at inception like most high street lenders. This ensures …

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Welcome to Hodge Lifetime

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