ARC Ratings’ Ashley Thomas met with Ben Grainger, Partner in the Financial Services division at EY, to discuss Equity Release Mortgage market and in particular, how ERMs differ to Interest Only retirement Loans or Home Reversion products. In addition, it was discussed how the market has developed, focusing on which jurisdictions are currently the most active and predictions for which areas could be next.
From a ratings perspective, together they explored the type of investors typically buying the paper created by the securitisations of this asset class, which differs significantly from mainstream RMBS and look ahead to potential opportunities and challenges.
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