Beyond the Robo-Adviser: why the future of mortgages is ‘Human Plus’

The fintech industry is obsessing over a binary choice: the traditional human broker or the fully automated 'robo-adviser'. But as we navigate the complexities of the 2026 mortgage market, it has become clear that the real winner isn’t...

Latest news

Scotland attracts rising interest from GCC property buyers

Scotland is becoming an increasingly popular destination for Gulf buyers looking at UK property, according to new search data published by Nomo. The Sharia’a-compliant digital...

Vida broadens mortgage range with new higher LTV tier and lower rates

Vida has expanded its mortgage range with rate cuts of up to 0.72%, alongside new Fee Saver and Cashback products. The specialist lender said the...

Paragon expands landlord offering with limited edition five-year fixes

Paragon Bank has launched a new range of limited edition five-year fixed-rate buy-to-let mortgages and brought back an 80% loan-to-value option as lenders continue...

Zero-deposit mortgage sales reach five-year high as affordability pressures persist

The number of zero-deposit mortgage sales reached 574 in the first three quarters of 2025, according to Financial Conduct Authority data obtained via a...

More than 255,000 homeowners to leave five-year fixes by the end of June

More than 255,000 UK households are due to come off five-year fixed mortgage deals between April and June 2026, according to analysis citing UK Finance data, with June expected to be the busiest month of the quarter. The figures,...

The Leeds strengthens intermediary team with senior account manager hire

Leeds Building Society has hired Michelle Ward as corporate account manager, adding more than 25 years of industry experience to its intermediary distribution team. Ward (pictured) joins from Virgin Money and Clydesdale Bank, where she held the role of...

Rising rental yields give landlords a stronger start to 2026, but March volatility clouds outlook

Fleet Mortgages’ latest Rental Barometer shows average yields reached 8.1% in Q1 2026, up from 7.4% a year earlier and 0.4% higher than in the previous quarter. The lender said the figures reflected sustained tenant demand and stronger rental...

Mortgage availability rises as lenders cut pricing

Mortgage availability increased in the first quarter of 2026 as lenders loosened supply and trimmed pricing even as arrears edged higher, according to the latest Bank of England Credit Conditions Survey. Lenders reported that the availability of secured credit...

PROFILE

Profile: Andrew Lloyd, CEO of Fignum

Andrew Lloyd is the Chief Executive Officer (CEO) of Fignum. He was appointed to the role in October 2024 to lead the business, which...

INDUSTRY COMMENT

A surge today, but what comes next for advisers and conveyancing?

March has provided a very clear example of how quickly this market can move when lenders feel the need to take action, with widespread...

Technology adapts so you don’t have to

20 years ago, many brokerages looked and operated in very similar ways. Typically small, local business, many firms focused solely on standard residential mortgage...

Rental barometer shows strength, but March changes the tone

Looking at our recently published Q1 2026 Rental Barometer data in isolation, there is clearly a strong and positive story to tell. Average rental...

Home and away: How appetite for UK property is rising

Conflicts in Ukraine and now the Middle East are a reminder that the catastrophic impact of war is not confined to war zones.   The...

Mutual strength and the broker partnership

The mutual sector has always been associated with community purpose, local branches and a member-first approach that feels a little different to the wider...

First-time, accidental or professional? How the landlord profile is shifting in 2026

One of the most common misconceptions that people have about the buy-to-let market is that landlords are a single, uniform group. The reality is...

Q&As

BUY-TO-LET

HTB launches ‘Flow’ range with rates from 5.54%

Hampshire Trust Bank has introduced ‘Flow’ - a new buy-to-let tier with rates starting...

Fleet strengthens intermediary sales structure

Fleet Mortgages has promoted two senior business development managers into newly created regional leadership...

1.3 million households facing mortgage cost shock

Around 1.3 million additional UK households are now exposed to higher mortgage costs following...

Coventry trims first-time buyer and limited company buy-to-let rates

Coventry for intermediaries has cut selected mortgage rates for first-time buyers and limited company...

Rental yields rise across England and Wales as buy-to-let market enters more volatile period

Rental yields increased annually in every region of England and Wales in the first...

Keystone restores fixed rate buy-to-let products as market stabilises

Keystone Property Finance has brought back fixed rate options across its buy-to-let range, widening...

Lendlord launches tool to help landlords evidence Renters’ Rights Act compliance

Lendlord has launched a compliance tool aimed at helping landlords evidence service of the...

Gatehouse exits BTR platform to fuel home finance growth

Gatehouse Financial Group has sold its build-to-rent platform to Apollo in a move designed...

MORTGAGE MINGLE PODCAST

NEWSLETTER SIGNUP

FIRST-TIME BUYERS

First-time buyer demand picks up in early 2026 despite limited supply

First-time buyer demand increased in the first quarter of 2026, according to research from Yopa, with a higher proportion of suitable homes securing buyers compared to the previous quarter. The analysis found that 34.8% of homes deemed suitable for first-time buyers had sold subject to...

Mortgage rates surge and product choice shrinks as Iran conflict jolts market

New data from Moneyfacts shows the impact of the Iran conflict has been both...

First-time buyers face greatest risk as mortgage turmoil grips market

First-time buyers are the most exposed group in the housing market as mortgage withdrawals...

LISA payouts near £140m as industry warns against disrupting first-time buyer support

The Lifetime ISA delivered almost £140m in government bonuses last year, as industry figures...

Rate rises squeeze demand as brokers lean on ‘needs-based’ borrowers

Rising mortgage costs driven by global uncertainty are beginning to weigh on borrower demand...

OPINION

Complexity is rising and broker enablement has never mattered more

 For many years, success in the mortgage market was built off efficiency. If a broker understood the mainstream lending landscape, packaged cases well and kept...

Industry pushes to build next generation of home valuers

According to RICS, the average qualified surveyor is in their mid-fifties. Couple this with...

Supply side continues to drive the change agenda

Regulatory change is no longer something firms respond to periodically. It is now a...

Searching for sunny uplands

There is a growing sense, shared quietly in boardrooms and rather less quietly over kitchen tables, that the UK has lost a degree of economic direction. Whatever one’s political persuasion, it is hard to ignore that many of the key indicators -  growth, productivity, business...

How advisers can find and secure powerful introducers to grow their business – Pt2

I hope you found my earlier article useful and enlightening and if so, please read on, as in this piece I complete the steps...

DISTRIBUTION

Afin waives legal fees on remortgages in broker push

Afin Bank is offering free legal fees on remortgage applications submitted before the end...

Conveyancing delays blamed by 65% of buyers

More than six in ten homebuyers say conveyancing is the biggest cause of delays...

Q&A: Claire Cherrington, Sesame Bankhall Group

Mortgage Soup fires the questions at Claire Cherrington, director of PMS and Bankhall, Sesame...

TRM hires compliance manager to strengthen AR support

The Right Mortgage & Protection Network has appointed Samantha Roe as compliance manager, bolstering...

Paradigm bolsters leadership team

Paradigm Mortgage Services has made a series of senior appointments including a new head of sales as it looks to accelerate growth across its mortgage, protection and compliance offering. The firm has appointed Louise Weiss (main picture, inset) as head of sales, with responsibility for...