Lenders expecting stability despite global uncertainty

Following the latest US tariff announcement, lenders are continuing to price and operate on the basis that market conditions remain relatively stable. However, the reaction we've already seen in swap rates is a timely reminder of how quickly...

Latest news

Offa adds halal home finance products to Iress XPM and Trigold

Offa has partnered with Iress to make its halal home finance products available through Iress XPM and Trigold. The Birmingham-based Islamic property finance fintech said...

Lloyds and Halifax cut mortgage rates

Lloyds and Halifax are reducing rates across homemover, first-time buyer, remortgage, product transfer and further advance mortgage ranges from Monday 8 June. The lenders said...

TMG Mortgage Network appoints head of operations

TMG Mortgage Network has appointed Ava Jones as head of operations as it continues to invest in its leadership team, technology and adviser support. Jones...

Smart Data can solve the UK’s homebuying bottleneck

For many of us, buying a home remains one of the most stressful and frustrating experiences we will ever undertake. Despite advances in digital banking,...

Northern families face nursery catchment premiums of up to 52%

Families in parts of the North are paying substantial property premiums to live within walking distance of an Ofsted Outstanding-rated nursery, according to analysis by Pepper Money. The specialist lender analysed 139 Outstanding-rated nursery catchments across England and found...

Pepper Money raises £545m through RMBS deal

Pepper Money has raised £545 million through the capital markets as part of its ongoing securitisation programme. The specialist lender said the residential mortgage-backed securities transaction was issued under its Polaris programme. The deal securitised a pool of UK residential...

The Darlington trims mortgage rates by up to 20bps

Darlington Building Society has reduced selected rates across its residential, specialist residential, shared ownership, buy-to-let and holiday let mortgage ranges. The changes, which take effect immediately, apply to selected two-year and five-year fixed-rate products for purchase and remortgage borrowers. The...

Brokers review sourcing technology as demand grows for connected systems

Mortgage brokers are increasingly reassessing their technology stacks, with sourcing systems emerging as the area most likely to be reviewed over the next 12 months, according to polling conducted during a joint webinar hosted by One Mortgage System...

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

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...

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...

The cost of knowing less

There is a particular kind of risk in financial services that rarely announces itself with drama. It does not arrive as a crisis event,...

How advisers can win the 2026 remortgage wave

The surge in property transactions during the 2021 ‘race for space’, when completions peaked at more than 200,000 in June of that year, is...

Accidental landlords – do they need different support?

It is unfair to view buy-to-let investors as one homogenous group. There are so many different profile of landlords – and that of the...

Why mortgage marketing is finally starting to look human

Mortgage advertising used to operate in two settings only: either aggressively corporate or suspiciously aspirational. You were either looking at a couple laughing at salad...

Q&As

BUY-TO-LET

Tipton cuts buy-to-let rates and brings back high income multiple mortgages

Tipton & Coseley Building Society has reduced rates across parts of its buy-to-let range...

HSBC cuts rates across residential and buy-to-let mortgage ranges

HSBC UK is reducing rates across a broad selection of residential and buy-to-let mortgage...

ModaMortgages cuts rates on 2- and 5-year fixed rates

ModaMortgages is cutting rates by 20bps across its limited edition 2-year and 5-year fixed-rate...

Quantum Mortgages launches product transfer range

Quantum Mortgages has launched a product transfer range for buy-to-let borrowers approaching the end...

ModaMortgages joins NACFB lender patron panel

ModaMortgages has been appointed as an official lender patron of the National Association of...

Paragon sees rise in green buy-to-let lending

Paragon Bank has reported increased buy-to-let lending on more energy efficient properties as landlords...

Molo cuts buy-to-let rates for UK resident landlords

Molo has reduced fixed rates across its UK resident buy-to-let range, including standard, HMO...

Leeds BS offers £200 cashback on product transfers

Leeds Building Society has launched a £200 cashback offer for existing mortgage customers completing...

NEWSLETTER SIGNUP

FIRST-TIME BUYERS

First-time buyers wait six years to buy as lifestyle priorities reshape purchasing decisions

First-time buyers are spending an average of six years saving for a deposit as many choose to wait for homes that better suit their long-term lifestyle ambitions rather than rushing onto the property ladder. New research from Mortgage Advice Bureau suggests aspiring homeowners are increasingly...

Leeds BS cuts residential mortgage rates by up to 0.32%

Leeds Building Society has reduced rates across its mainstream residential mortgage range by up...

NHS workers priced out as affordability gap widens

Many NHS workers are being priced out of homeownership with average first-time buyer properties...

First-time buyer affordability hotspots revealed

Grimsby, Greenock and Burnley are among the most accessible locations for first-time buyers, according...

Coventry cuts residential and buy-to-let rates

Coventry for intermediaries has reduced selected residential and buy-to-let rates by up to 0.12%. The...

OPINION

Building societies need to start putting intelligence into motion

If you were at the Building Societies Association Annual Conference in Edinburgh last month , you could not have missed the optimism: the sector...

Beyond the walk: Mortgage leaders talk mental health – part 21

The Mortgage Industry Mental Health Charter's (MIMHC) third annual 144-mile Walk & Talk challenge...

Beyond the walk: Mortgage leaders talk mental health – part 20

The Mortgage Industry Mental Health Charter's (MIMHC) third annual 144-mile Walk & Talk challenge...

Remortgaging BTL in 2026: acting early on landlord refinancing

The buy-to-let market has rarely stood still in recent years, but 2026 has already delivered more twists and turns than any of us could have anticipated when the year kicked off. Product withdrawals, swap rate volatility, changing expectations around Bank Base Rate and wider economic...

Beyond the walk: Mortgage leaders talk mental health – part 19

The Mortgage Industry Mental Health Charter's (MIMHC) third annual 144-mile Walk & Talk challenge finally came to an end on Friday last week as...

DISTRIBUTION

The Right Mortgage sets out June roadshow programme

The Right Mortgage has announced details of a series of member roadshows taking place...

Shepherds Friendly inks Primis distribution deal

Shepherds Friendly has agreed a distribution partnership with Primis Mortgage Network for its income...

OneDome named among Europe’s fastest-growing fintech firms

OneDome has been named one of the fastest-growing fintech companies in Europe, the Middle...

Equity Release Group launches adviser network

Equity Release Group has launched a specialist adviser network aimed at helping firms expand...

Canal trek triumph as Berry and Morely win gold

Jason Berry and Charlie Morely finished their epic 141-mile trek up the Grand Union Canal for the Mortgage Industry Mental Health Charter (MIMHC) on Friday last week, finally finishing at HSBC’s head office in Birmingham. Berry (main picture, right), MIMHC co-founder and group sales director...