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Georgie Frost, Simon Lambert and Tanya Jefferies discuss a new online service coming next Spring for state pension top-ups. Also, Simon looks at what's going on in the Bond market. There's also comment on premium bond values, and the team pick up a cause of local disputes: cameras in the back garden!

House prices will continue to fall, says an influential poll of estate agents. The latest survey by the Royal Institution of Chartered Surveyors found that buyer demand is declining and fewer homes are coming to the market. Meanwhile, Halifax’s latest house price figures show a £14,000 drop compared to the recent peak in August 2022 and 4.7% fall in the year to the end of September, the largest since 2009. So, how much further could they fall and are buyers in danger of trying to time the market? Will there be a big pause before a general election next year? Georgie Frost, Simon Lambert and Lee Boyce discuss the age old favourite of house prices. Last week has also seen the Bank of England sound the alarm over 35 year mortgages – should we be concerned? Skipton Building Society launches a headline mortgage rate of 3.35%. What’s the catch? It comes as its rival Nationwide has new best buy home loan rates. Could mortgage deals continue to fall? And we look at the top up-and-coming areas for first-time buyers: Does your area make the cut? Spoiler: it features Hull, Middlesbrough and Ipswich. DIY investors went on a gilt-buying spree in September - shunning the stock market and savings accounts. The UK government bonds were paying as little as 0.125% last month – so why were they getting involved? Hargreaves Lansdown is launching a basic, no-frills pension for those who want an easy way to invest for retirement but aren’t quite sure how to get started. They are the first SIPP provider to give details after regulators said they had to offer customers a 'default' option by the start of December. Will it make SIPPs sexy enough to the self-employed? Shrinkflation, bogus loyalty card savings and variable prices in supermarkets... we’re fed up with the lot of them. Are you?

If the triple lock is stuck to, the state pension should rise by 8.5% next April. That will be an inflation-busting rise but a promise is a promise - and the triple lock is meant to be a cast iron guarantee that the state pension will rise by either 2.5%, average wages, or inflation. Except it's already been unpicked once and arguing about whether the government can wriggle out of it has become an annual event. It's expensive and paid for by current workers, but the triple lock has improved the state pension - and one day those workers should get that payout themselves. Yet, has it run its course and is it time for a better policy than the triple lock? Georgie Frost, Sam Barker and Simon Lambert debate the triple lock and whether to keep it. Plus, why is Facebook Marketplace such a wild west for consumers and what happened when we tried to set up our own (fake) scam? Santander's cracking 5.2% easy access savings deal was pulled this week. The team discuss whether another account will come close in future and why those who signed up to This is Money's savings alerts didn't miss out. And finally, a reader has viewed 40 homes for sale but not found one they like. What should they do?

Inflation has been ravaging our finances, but it is also threatening our future. According to new research, if you want a comfortable retirement, you need to build a pot of nearly £600,000. The rising cost of living requires an extra £4,200 a year to maintain the same lifestyle as in spring last year - which means you have to save another £69,000 in all. Tanya Jefferies, Georgie Frost, Lee Boyce and Helen Crane delve into pensions, as separate research shows more than half of people saving into one believe they will never put away enough to stop working when they get older. What can you do? Tanya reveals how to invest your pension and live off it in retirement. One thing that isn’t going to help your retirement funds is forking out to help your kids get on the property ladder. But that is exactly what is happening at the moment and in huge numbers. Financial aid is expected to support almost half of all homes purchased by buyers under the age of 55 this year - totalling £8.1billion. Is tapping into the Bank of Mum and Dad fair? People who spent big sums on state pension top-ups are angry their cash has gone missing and they can't get answers out of HMRC or the Department for Work and Pensions – Tanya gives an important update. Lee runs the rule over the new 6.2% one-year fixed-rate from National Savings and Investments, alongside four savings trends gleaned from a new Bank of England report. Helen reveals the four pressures landlords are facing as more of them opt to sell up. And lastly, are you suffering from dogflation, catflation or any kind of petflation? And how can you bite back?

Chancellor Jeremy Hunt is looking for more risk to be taken in pensions - is this right? And should they not first sort out the estimated ten million errors in state pension records? Meanwhile one million people will be paying an additional £5,000 per annum on mortgage payments: could the Bank of England have done more? And finally - would Britain be safer if only women were allowed to drive?

Adam Cox is joined by Michael Voges, Chief Executive of ARCO, to engage in a thought-provoking conversation centred around ARCO's latest research findings. This research sheds light on the remarkable levels of frustration experienced by older individuals in relation to their available housing options. Together, they explore the innovative concept of Integrated Retirement Communities (IRCs) and how they effectively bridge the gap between traditional care homes and in-home care for the elderly. Furthermore, they delve into ARCO's estimation of a substantial £1 billion saving in NHS and social care costs by implementing IRCs. https://www.arcouk.org/

A new survey has revealed that a majority of UK adults are concerned about access to publicly funded care in later life. Adam Cox is joined by Patrick Wallace, Co-Founder of Curam, to discuss this new survey commissioned by Curam, which has revealed that nearly three-quarters (73%) of UK adults are worried about not having access to publicly funded care as they get older. They discuss the biggest issues being faced by the sector today and explains how service platforms could help. https://www.curamcare.com/

The state pension is getting a boost this week, meaning many pensioners will see their payments go above £200 per week or £10,000 per year for the first time. The Government has also recently announced that it is delaying a decision on hiking up the state pension age to 68 until after the next election – perhaps influenced by protests across the channel. Pension commentators said move would be 'incredibly unpopular', and likely 'political suicide'. Governments don’t like to upset retirees because they vote in high numbers — but maintaining the status quo is incredibly expensive. Has something ultimately got to give when it comes to the state pension age and maintaining the triple lock? Georgie Frost is joined by Tanya Jefferies and Helen Crane to discuss. We also look at one lucky This is Money reader who is getting an even bigger rise, seeing his pension go up by more than 16%. It sounds like great news — but he is wondering whether it means he has been short-changed in the past. Elsewhere, research this week has shown Britons are still dragging their feet when it comes to making a will. The team looks at why it’s important, how to do it — and why it isn’t just about money. Also, E-Toro’s Sam North provides the latest update on the markets as we head into the long weekend. We also discuss why broadband companies have been able to get away with ignoring instructions from regulator Ofcom to make switching easier for customers. It told them two years ago that they needed to make it possible to swap providers in just one day — so why are most of us still left languishing without an internet connection for up to two weeks? Finally, do you fancy a sabbatical from work to travel? Some big firms are offering the extended time off as a perk to long-serving staff — but would your boss let you go, and how would you afford it?

Jeremy Hunt had a spring in his step this week as he delivered his Budget. It was a considerably different air to the gloomy warning of trouble ahead in his November Autumn Statement. The headline act was a major shake-up of pension saving rules, removing restrictions that limit the amount that can go in without tax penalties. The lifetime allowance was abolished rather than raised, the annual allowance got a big bump, and rules to stop pension recycling were eased. Was this a bung for the rich shovelling cash into their pension - and doctors - or a move that will help many more young professional savers aspiring to a decent retirement, who may not realise the lifetime limit could be hit? Georgie Frost, Helen Crane and Simon Lambert delve into the Budget and joining them to explain the pensions element is a special guest, This is Money's retirement columnist and ex-pensions minister Steve Webb. Also in the Budget was news on the economy, a ray of hope on energy bills, and a big expansion of free childcare... but it won't come in for some time. The team look at all those elements and more. And finally, as the Budget claimed the headlines something else was rumbling on: a mini-banking crisis sparked by the Sillicon Valley Bank collapse. What is going on there and should we be worried?

You'd like to imagine that when it came to the state pension, you'd be dealing with a more robust system than the ones that deliver the average customer service nightmare. Savers could be forgive for questioning whether that was the case after a string of recent blunders. First we had the underpaid women's state pensions scandal, now we have the pension top-ups system creaking at the seams, at the same time as it turns out there may be a serious problem with the records of those who have received Universal Credit. The common thread running through exposing these problems has been This is Money's pension and investing editor Tanya Jefferies and retirement columnist Steve Webb. They have worked tirelessly to help those affected and bring these issues to light. This week, we had a state pension double header of news with an admission of the problems over Universal Credit and the Government finally extending the deadline for boosting state pension via top-ups. Tanya talks us through the problems and discusses what they mean for people, with Georgie Frost and Simon Lambert. Also, the team talk about why you should put your savings in a cash ISA, where to find the best ones and why transfers might be the most important thing you can do. Plus, who are the Dividend Heroes, what have they got to do with the Rolling Stones and what can we learn from them on long-term investing? And finally, rising interest rates have severely hampered the amount of mortgage a monthly payment can buy, so, could you afford your home now?