Opening the door to 2026: Change and possibilities in the Mortgage & Property world
Welcome to the February edition of Mortgage & Property Investment Magazine! The new year is already in full swing, and there’s a lot going on. Advisers, buyers, landlords, and lenders are all navigating a market shaped by stabilising rates, evolving rules, and changing household habits, and 2026 is looking like a year full of insight, challenges, and real opportunities
Where the home fits into financial planning
To kick off this month’s edition, we explore why the home is back on the agenda for 2026, with Phil Wickenden, CEO of Ad Lucem, sharing his insights. Families are making financial decisions earlier, juggling pensions, savings, and property, and advisers need simple, repeatable ways to guide these choices. With inheritance tax changes and the home playing a bigger role in family finances, the key is understanding what clients want to protect, what they want to avoid, and how it all affects their household.
Stability and confidence in the market
After a few rocky years, the mortgage market is starting to find its feet. Tom Davies from Mortgage Scout points out that with rates predicted to settle around the mid-3% mark, combined with lenders being more flexible, it is creating a more supportive environment. With rents rising and mortgage costs easing, owning is potentially starting to feel achievable again.
Mortgage market momentum builds in 2026
There’s plenty to be optimistic about in 2026. Moneyfacts data shows falling rates, and record product availability is giving borrowers lots of options. First-time buyers, in particular, are seeing more deals than in almost two decades, and ongoing innovation and regulatory updates mean this year promises plenty to watch.
IFA Talk Podcast: Household behaviour, retirement sequencing and property wealth
The latest Mortgage & Property special episode of IFA Talk looks ahead to 2026 and beyond, exploring how shifting household behaviour is reshaping retirement planning and adviser-client conversations.
Phil Wickenden, founder and CEO of Ad Lucem, is back to share even more expertise and knowledge on the growing importance of retirement sequencing, the evolving role of property wealth, and why later-life lending and “home-in-the-plan” discussions are becoming both unavoidable and ever more important for advisers.
Keep ahead this February
That’s just a flavour of what we’ve got coming up in this month’s Mortgage & Property Investment Magazine. From changing household behaviour and retirement sequencing to the growing role of property wealth and later-life lending, there’s plenty for advisers to get stuck into.
For regular updates, fresh insight, expert commentary and all the latest industry news, make sure you’re checking in with us often at: https://ifamagazine.com/category/mortgage-and-property/
We’ll be right here throughout February, and beyond, helping you stay ahead of the conversations that matter, no crystal ball required!
Meg Bratley, Social Media and Content Manager
Mortgage & Property Investment Magazine
