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Reports

State of the Nation Report: The Generation Gap

04/06/2025

Lending innovations for an ageing population

Fill in the form at the bottom of this page to pre-register to be the first to receive our State of the Nation 'The Generation Gap' report. 

The UK is undergoing a seismic demographic shift: by 2050, one in four people will be over 65. As the population ages, the housing market faces unprecedented pressure—not just from first-time buyers struggling with affordability, but from older homeowners whose decisions increasingly shape the market’s future. 

The first in our State of the Nation report series, ‘The Generation Gap’, goes beyond the usual calls for “more innovation” and considers how lenders can grease the chain to make the UK housing market more mobile in an ageing population.  

Drawing on recent data and expert insight, this thought leadership report explores how the ageing population is creating both obstacles and opportunities for families, policymakers, and lenders alike. 

Inside, you’ll discover: 

  • Why a growing share of housing wealth is concentrated among older generations—and what this means for intergenerational mobility. 

  • How the lack of financial incentives, high transaction costs, and limited age-appropriate housing keep millions of bedrooms under-occupied, stalling the market for everyone. 

  • How lenders and borrowers together can drive supply and support affordability for future generations. 

  • Bold proposals for a system that works for all ages. 

Fill in the form to to pre-register.

Leave your details, and the report will arrive in your inbox as soon as it becomes available.

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