20th anniversary: First Complete on mortgage reform

How has the mortgage landscape changed protection sales over the past 20 years?  The huge growth in house price inflation in the last 20 years is hard to ignore. First Time Buyers generally used to be able to buy a house which was three times their average earnings but now have to buy at four or five times their average earnings, jumping to nine or ten times for those in London. As a result, advisers in Northern Ireland typically sell much more protection alongside mortgages than advisers in London - which isn't right. In our networks, London's protection sales have seen slower gro...