Tapping the potential of pensions for home ownership

Buying a first home and saving for retirement are two of the biggest financial priorities many younger employees face. But doing both at the same time is getting harder.

Our latest publication explores how pension scheme design and changes to pensions policy can shape those decisions and influence financial outcomes over the long term. Using our modelling and analysis, we look at the transformational potential of pensions to help people with property ownership, with the right policy environment. As the pensions system of the 2030s is designed this year, alongside the second Pensions Commission, now is the time to be bold and share fresh thinking.

Here's what we explore:

• how pension contribution structures and pensions policy interventions can unlock home ownership which leads to 100% greater expected wealth at retirement
• the impact different saving approaches can have on both home ownership and long-term retirement outcomes
• how more flexible scheme design could help employees make progress towards multiple financial goals whilst also engaging younger employees in pensions

Read the full publication

With financial wellbeing remaining high on employers' agendas, now is a great time to consider whether your pension design reflects the needs and priorities of today's workforce.

If you'd like to discuss what this could mean for your workforce, please get in touch.

This communication has been compiled by Hymans Robertson LLP® (HR) as a general information summary and is based on its understanding of events as at the date of publication, which may be subject to change. It is not to be relied upon for investment or financial decisions and is not a substitute for professional advice (including for legal, investment or tax advice) on specific circumstances.  HR accepts no liability for errors or omissions or reliance on any statement or opinion. Where we have relied upon data provided by third parties, reasonable care has been taken to assess its accuracy however we provide no guarantee and accept no liability in respect of any errors made by any third party. Hymans Robertson LLP is a limited liability partnership registered in England and Wales with registered number OC310282. Authorised and regulated by the Financial Conduct Authority and licensed by the Institute and Faculty of Actuaries for a range of investment business activities.  

© Hymans Robertson LLP 2026. All rights reserved.