UK Finance urges the FCA to widen the scope of its Later Life Mortgages Market Study beyond lifetime and Retirement Interest Only (RIO) mortgages. A narrow focus risks reinforcing product silos and overlooking how consumers actually meet diverse needs. UK Finance data shows a growing need for lending into retirement, driven by older first‑time buyers, longer mortgage terms extending beyond pension age, and increased equity withdrawal as borrowers age. A broader, forward‑looking scope is essential to assess consumer outcomes, advice, and competition across the full later life lending landscape.