Stamp Duty burden soars as tax threshold remains frozen at 2006 level

The Stamp Duty threshold at which homebuyers begin paying tax has remained unchanged since 2006, despite average house prices in England rising by 84% over the same period, according to analysis from Coventry Building Society. The £125,000 nil-rate threshold...

Latest news

Atom bank cuts Prime mortgage rates by 15bps across full range

Atom bank has reduced rates across its Prime mortgage range by 15bps, with changes taking immediate effect. The reductions apply across the lender’s entire Prime...

The Dudley cuts rates across residential, buy-to-let and expat ranges

Dudley Building Society has reduced rates across its residential, buy-to-let and expat mortgage products, with cuts of up to 110bps. The mutual has introduced a...

Gatehouse launches limited-edition HPPs and cuts selected BTL rates

Gatehouse Bank has introduced a range of limited-edition Home Purchase Plan and buy-to-let products for new UK resident customers, alongside rate reductions on selected...

Zephyr Homeloans reduces buy-to-let fixed rates by 15bps

Zephyr Homeloans has reduced all fixed rates across its buy-to-let mortgage range by 15bps, with new pricing now available through sourcing systems and the...

Beagle Street enters intermediary market with protection proposition

Beagle Street has launched into the intermediary market, marking a significant expansion for the protection brand as it seeks to grow its distribution through advisers, networks and service providers. The business, which forms part of the OneFamily Group, said...

Homebuying reforms aim to cut delays and reduce failed property sales

The government has unveiled a package of reforms designed to speed up the homebuying process, reduce costs and improve transparency across the housing market. The measures include the introduction of mandatory upfront information through digital sales packs, earlier binding...

Vida widens SPV criteria for buy-to-let landlords

Vida Homeloans has expanded its buy-to-let lending criteria to support a wider range of Special Purpose Vehicle structures, including subsidiary companies owned by parent businesses. The lender said the changes are designed to provide greater flexibility for brokers dealing...

Nikki Haworth joins Connect as group ops director

Connect IFA has strengthened its leadership team with two senior appointments as it looks to support future growth and enhance services for advisers across its network. The network has appointed Nikki Haworth as group operations director, with responsibility for...

PROFILE

Steve Caruthers on understanding how lenders operate

Last year mortgage technology specialist Fignum appointed Steve Carruthers as growth director, signalling its intent to scale its operations and deepen its role as...

INDUSTRY COMMENT

ABS 2026 review: Economic factors stemming growth

As the Global ABS conference ended there was no doubt that it was a huge success, with official numbers being confirmed at 5,500 attendees,...

Government support is fundamental to market growth

We’ve seen another week of mainstream lenders reduce their rates with more reductions predicted this coming week. This shows more comfort and confidence around...

Bridging is a natural fit for a Shariah-compliant bridging provider

The UK bridging market is, in many ways, a natural fit for Shariah-compliant finance because both are fundamentally built around real assets, partnership structures...

Why relationships are becoming the mortgage industry’s most valuable asset

Information has never been more accessible, yet confidence in financial services remains relatively low. As technology continues to reshape the market, the value of...

Before brokers invest in AI, they need to ask the right questions

AI has moved quickly from industry talking point to commercial priority. For mortgage brokers, the question is no longer whether AI matters. It is...

Cutting stamp duty will make the housing crisis worse

Every time the housing market stalls the same thing happens and people call for stimulus, this time: abolish stamp duty. The logic feels intuitive -...

Q&As

BUY-TO-LET

Fleet Mortgages lowers buy-to-let rates by up to 20bps

Fleet Mortgages has cut rates across a range of its two-year and five-year fixed-rate...

Landlords release more equity to fund buy-to-let improvements, says Paragon

Landlords significantly increased remortgaging activity to fund improvements to their buy-to-let properties during 2025,...

Rely launches limited edition buy-to-let products for lower LTV landlords

Rely has introduced a new limited edition range of buy-to-let mortgages for non-portfolio landlords,...

United Trust Bank appoints Brad Rhodes to lead club and network partnerships

United Trust Bank has appointed Brad Rhodes as head of clubs and networks within...

FCA warns firms as fake communications continue to rise

The Financial Conduct Authority has issued a fresh warning to firms after uncovering a...

Foundation revamps Property Plus to support landlord borrowing

Foundation has relaunched its enhanced Property Plus proposition, introducing lower valuation costs and a...

Castle Trust Bank cuts buy-to-let rates for limited period

Castle Trust Bank has reduced rates across its TermTen buy-to-let range, with the new...

Gatehouse Bank cuts selected HPP and buy-to-let rental rates

Gatehouse Bank has reduced rental rates on selected Home Purchase Plan and buy-to-let products...

NEWSLETTER SIGNUP

FIRST-TIME BUYERS

Gen H cuts high loan-to-value mortgage rates by up to 20bps

Gen H has reduced rates across its higher loan-to-value mortgage range, with the largest cuts targeted at borrowers with smaller deposits. The lender has announced reductions of up to 20 basis points across its 85% to 95% loan-to-value (LTV) products, with the most significant changes...

Manchester leads decade-long house price boom as London lags

Manchester has recorded the strongest house price growth of any major British city over...

Nationwide cuts rates across fixed mortgage proposition

Nationwide is cutting rates across its fixed mortgage range for first-time buyers, home movers...

Price cuts signal more competitive market for brokers

House sellers have made the biggest June price reduction in 14 years as higher...

Buyer demand stabilises but mortgage market remains cautious

The UK housing market may be showing early signs of stabilisation but mortgage brokers...

OPINION

Halfway through the year, are you getting enough from every client?

The halfway point of the year is always a useful time for advisory firms to take stock, not least because it is often far...

The money sitting in your back pocket that you keep forgetting to pick up

Let me give you a number. Almost half of UK mortgage holders would struggle...

Smart Data can solve the UK’s homebuying bottleneck

For many of us, buying a home remains one of the most stressful and...

The 1.8 million problem nobody’s talking about

There's a number that should be keeping every mortgage firm owner awake right now. 1.8 million. That's how many fixed rate mortgages are expiring in 2026. UK Finance confirmed it. And before you think "great, more business" – stop. Because the question isn't whether the...

Lenders urged to do more as purchase market slows

High street lenders - including TSB, Lloyds, Santander, and NatWest - have all been reducing rates and making changes to their product ranges over...

DISTRIBUTION

Afin Bank expands broker reach with L&C Mortgages panel appointment

Afin Bank has added L&C Mortgages to its broker panel as it looks to...

Aria Finance joins Mortgage Brain sourcing panel

Aria Finance has joined Mortgage Brain’s Sourcing Brain module as a packager. The move gives...

L&G Mortgage Club appoints key relationship manager

L&G Mortgage Club has appointed Gurpreet Chahal as key relationship manager to support broker...

Lenders expecting stability despite global uncertainty

Following the latest US tariff announcement, lenders are continuing to price and operate on...

Omni Protect appoints Caspian as referral partner

Omni Protect has appointed Caspian Insurance as its endorsed protection referral partner for firms that do not write protection business in-house. Omni Protect, Fintel's whole-of-market premium protection club proposition, said the partnership would give advisers a supported route for referring clients for protection advice. The arrangement...