OSB Group says later-life lending demand spreads across lifetime mortgages and retirement interest-only loans

• OSB Group analysis flagged later-life borrowing demand spread across multiple products, not concentrated in one segment, in Q2 2026.
• UK Finance data showed 37,300 later-life loans in Q2, including 5,730 new lifetime mortgages, 323 retirement interest-only mortgages.
• Year-on-year comparisons were distorted by a Q2 2025 lending dip linked to a pre–stamp duty change completion rush.
• Residential later-life loans represented 7.8% of all residential lending; later-life buy-to-let reached 20.6% of the buy-to-let market.
• Commentary framed later-life lending as mainstream, raising the need for broader broker advice on affordability, objectives, inheritance planning.

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