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Many parents and grandparents already believe their children will struggle to achieve milestones that previous generations took for granted.

Rory has held previous roles at GB Bank, Allica Bank, and TSB.

The five-year product has been introduced alongside Recognise Bank’s existing two-year fixed rate option.

The cohabitation reforms could have significant implications for advisers involved in estate planning, mortgages and later life financial planning.

In Wales, holiday lets that aren’t booked for a minimum of 182 days are usually treated as domestic second homes, which can result in council tax premiums of up to 300%.

Other changes include a new registration stage to ensure cases are within scope and ready to be investigated.

The Society says the electronic signatures will help modernise and streamline the remortgaging process.

One in six lifetime mortgages are now taken out against homes worth more than £700,000.

The broker portal upgrade flags document mismatches at the point of upload, speeding up underwrites for complex cases.

Ben has been with MAB for eight years, including previously serving as deputy CEO.