There is concern that the mortgage industry in the UK is not responding to the ageing population and the need for more elderly people to borrow funds on their properties. The tightening of the lending criteria means that many are barred from the "ordinary" mortgage by age alone and there is a growth in the numbers taking equity release. However there are also a growing number purchasing a second property as a buy to let pension investment. The CML are currently trying to address this matter so we await to see if they can effect a sea change in the attitudes of the big lenders.