A journalist at the Daily Express is writing a piece on homeowners increasingly looking like they'll be paying off their mortgages with their pensions as they take out longer mortgages with lower monthly payments due to the cost of living crisis and spiralling house prices. Traditionally, a 25-year term mortgage was paid off well before retirement but people these days are taking out much longer terms. Why is this? Is this going to become the norm for mortgages? Are the last years of more people's mortgages going to have to be paid off with their pensions? What additional pressures could this apply to their finances?