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In this tech-focused episode of Master Later Life Lending, host Will Hale is joined by Ray McCarthy (Air), Shane Chawatama (Knowledge Bank), and Andy Longhurst (Lead Tech) to explore one of the most pressing questions facing advisers today: Can smarter technology actually help deliver better client outcomes, or is it just more noise in an already busy market?

We unpack the real potential of AI and automation in advice delivery, from boosting compliance and reducing admin, to enhancing client conversations and future-proofing your business. But we also look at the challenges: Are advisers ready to adopt these tools? Does more data always mean better advice? How do we ensure technology enhances the human touch rather than replacing it?

Whether you’re tech-curious or tech-cautious, this episode offers a grounded, practical look at how smarter tools can help you work more efficiently, meet regulatory demands, and deliver more personal, high-quality advice.

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In this episode of Master Later Life Lending, host Will Hale sits down with Paul Broadhead and Charles Roe from UK Finance, and Victoria Clark from TRMN to tackle one of the biggest questions in the evolving mortgage landscape: How can lenders and advisers collaborate to better serve older borrowers?

Together, they explore the need for a more integrated approach across the mortgage journey, breaking down barriers between mainstream and retirement-focused advice. From building stronger adviser support to creating more flexible, consumer-driven products, this discussion highlights the vital role of innovation, communication, and shared responsibility.

 Whether you're a lender, adviser, or part of a support network, this episode offers practical insights on how to meet the shifting financial needs of aging clients and deliver real value in a changing world.

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In this episode of Master Later Life Lending, host Will Hale is joined by industry leaders Paul Saroya (Viva Retirement), Jon Sommerville (LIBF), Dan Holden (Air), and Sue Reed (ERC) to explore the real value of adviser education: is it the key to unlocking business growth, or just another regulatory checkbox?

Together, they unpack the practical impact of ongoing learning, the importance of real-world application beyond qualifications, and how advisers can use education to stay competitive in a rapidly evolving market. With insights into balancing time, boosting credibility, and delivering better client outcomes, this episode is a must-listen for any adviser questioning the ROI of professional development in the later life lending space.

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In this episode of Master Later Life Lending, host Will Hale is joined by Nick Birdseye (L&G), Dave Harris (more2life), and Lyndsey Charnock (Canada Life) to explore how lenders are supporting advisers with innovative products, better tools, and customer-focused strategies.

From the impact of Consumer Duty and evolving client needs to standout product innovations and tech-driven collaboration, this conversation offers expert insights into how lenders and advisers can work together to shape the future of later life lending.

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In this episode of Master Later Life Lending, host Will Hale speaks with Nathan Waller (Family Building Society) and Ashley Edwards (Just Mortgages) about how advisers, firms, and networks are responding to rapid changes in the later life lending market.

They discuss evolving client needs, navigating Consumer Duty regulations, generating new business, and how to adopt technology while maintaining personalised advice. Packed with practical tips and real-world strategies, this is a must-listen for any adviser working in the later life space.

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In this episode of Master Later Life Lending, host Will is joined by industry experts Stephanie Charman (AMI), Kate Davies (IMLA), and Kelly Melville Kelly (ERC) to explore how financial advisers can offer truly holistic advice to over-50s clients. 

Together, they unpack key topics including evolving regulations like Consumer Duty, the broadening range of borrowing options, tackling industry silos, and ensuring fair value. With insight into market shifts, product innovations, and client-centric strategies, this episode is essential listening for advisers who want to stay ahead in the changing later life lending landscape. 

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Will Hale introduces Season 3 of Master Later Life Lending, a podcast dedicated to helping mortgage advisors and equity release specialists navigate the evolving world of later life lending. Later life lending is rapidly becoming an integral part of financial planning for over 50s customers, with many clients carrying mortgage debt into retirement or looking to unlock wealth from their homes.

• Later life lending becoming integral to financial planning for over 50s
• Expanding landscape and growing needs of older homeowners
• Many clients carrying mortgage debt into retirement
• Increasing complexity with changing regulations and new product offerings
• Podcast designed to equip advisors with knowledge and strategies to thrive
• Upcoming episodes featuring industry leaders and market insights
• Practical guidance for both experienced specialists and mainstream advisors

Subscribe so you never miss out on future discussions, and if you find our podcast valuable, please leave a review to help us reach more advisors.

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Unlock the secrets to thriving in the later life lending market with our expert guests, Liz Wilkie from Primus Mortgage Network and Graham Bradley from the Money Group. Gain actionable insights on how personalized advice can transform your approach to client care, particularly when it comes to affordability, health, and vulnerability. Explore the latest product innovations and learn how keeping abreast of these changes can significantly enhance the quality of service you provide to your clients.

Join us as we spotlight the importance of comprehensive planning for financial well-being in later life. Our guests delve into the nuances of power of attorney and wills, emphasizing how these tools can simplify matters for beneficiaries. They discuss breaking down biases and stigmas around health issues and vulnerability, advocating for early interventions that can lead to better financial outcomes. By understanding income, expenditure, and affordability, advisors can help clients harness the power of compound interest, ensuring a more secure financial future for them and their families.

We also tackle the evolving financial landscape, highlighting the benefits of innovative products like equity release and retirement interest-only mortgages. The conversation shifts to how lenders and product designers can enhance offerings by incorporating insights from client conversations, handling vulnerability data more effectively, and fostering collaboration across markets. With a focus on education and awareness, the episode aims to prepare you for guiding clients through complex financial decisions, ensuring they are well-equipped for their long-term financial journeys.

The Master Later Life Lending Podcast is aimed at qualified advisers in the mortgage or financial services industry. 

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Unlock the secrets of the later life lending market as we bring you insights from industry leaders Will Hale of Key Group and Martin Reynolds of Simply Biz Mortgages. This episode promises to equip you with the knowledge to navigate the crucial decision of advising clients directly or referring them. Explore the commercial dynamics of direct authorization versus joining a network, and understand how factors like client volume, confidence, and time constraints shape an advisor's journey. With the growing trend of borrowing beyond retirement age, it's essential to adapt your business model to meet the evolving demographics of the over-50s population.

The landscape of financial advice isn't divided by silos anymore, and this episode highlights the importance of breaking barriers between equity release and mainstream advisors. Establishing effective referral relationships is key—location, specialism, and alignment with ethical standards are just a few factors critical to choosing the right partner. We stress the importance of ongoing due diligence and nurturing personal relationships to maintain a strong referral network. By broadening their horizons and considering all later life lending options, advisors can ensure the best outcomes for their clients.

Looking to enhance your competencies? We discuss a wealth of resources, from data mining your client banks to leveraging support from AIR Academy, Key Group, and Knowledge Bank. Embrace technology to balance advice and transparency, and address remuneration bias with the clarity it demands. With these insights, advisors can confidently expand their services, engage with clients more effectively, and provide holistic advice that includes estate planning and long-term care. Join us for a comprehensive exploration of this evolving market and arm yourself with the tools needed to succeed.

The Master Later Life Lending Podcast is aimed at qualified advisers in the mortgage or financial services industry. 

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Discover how technology is revolutionising the later life lending landscape with financial services veteran Dave Miller from Fintel. Gain insights into how digital tools are not just enhancing client meetings and document management, but are also offering older customers more flexible, efficient services tailored to their needs. Learn about the growing interest in equity release as a means to sustain living situations, supported by accurate record-keeping and proactive CRM strategies that foresee client necessities.

Our conversation also ventures into the critical synergy between technology and compliance within financial services. We discuss the evolving connectivity in the fintech ecosystem and the importance of early communication in product development to foster seamless innovation. Understand how data capture, robust CRM integration, and flexible approaches — from electronic self-service to traditional interactions — are vital for catering to a diverse advisory population, ensuring that consumers receive top-notch outcomes no matter their tech proficiency.

Finally, we tackle the integration and innovation in financial services, focusing on managing client vulnerabilities and enhancing data precision. Delve into the advancements in equity release processes through API standards, unlocking efficient data flow between platforms and lenders. Dave shares his perspective on balancing data collection for accurate quotations with minimizing burdens on advisors and clients. We also explore how AI-driven tools are simplifying procedures, enhancing engagement, and maintaining impartiality in a competitive market. Tune in to understand how strategic tech integration can lead to superior outcomes for everyone involved.

The Master Later Life Lending Podcast is aimed at qualified advisers in the mortgage or financial services industry. 

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