Between 2019 and 2028, nearly 45 million Americans could potentially become first-time home-owners, but mortgage applications are still stuck in the past. A new wave of digital lenders is looking to disrupt the sector, with Better.com letting users get quotes and approval in minutes, not months.

Investing in a mortgage is one of life's biggest decisions. But Zillow Home Loans are helping to streamline buying and selling, by working within every part of the real estate journey and offering the convenience that people now demand.

The "Hell or Habito" campaign positions the online brokerage as one from above compared to the living hell of the standard mortgage process. As most people struggle to grasp the financial jargon involved, there’s an opportunity for brands to simplify the process and relieve the stress.

When pay day rolls around, Gen Yers save a little – but spend a lot. Impulsive spending is a key (and at times problematic) element of their identity. But as this generation begins to look towards their future roles as homeowners, parents, and pensioners, how will their spending habits adapt?