INDUSTRY REACTION: Bank rate cut passes by narrow margin

At its meeting ending on 17 December 2025, the Monetary Policy Committee voted by a majority of five to four in favour of a rate cut, with four members preferring to keep Bank Rate unchanged at 4%. The close...

Latest news

Gen H widens credit criteria to support more first-time buyers

Residential mortgage lender Gen H has extended its internal credit criteria in a move designed to support more first-time buyers who may have experienced...

LMS appoints chief financial officer

LMS has strengthened its senior leadership team with the appointment of Alexi Walsh as chief financial officer (CFO), as the business looks to accelerate...

Paragon targets care home development with new specialist funding

Paragon Development Finance has launched a dedicated funding product for the development of care homes, as the lender looks to support experienced operators and...

Phoebus applies agile thinking to build people-first culture

Software specialist Phoebus is applying principles more commonly associated with software development to its people strategy, a move the business says is improving employee...

Rightmove forecasts modest house price rise in 2026

House prices are expected to rise modestly in 2026, with asking prices forecast to increase by 2% as improving affordability and a strong choice of homes for sale support market activity, according to the latest outlook from Rightmove. The...

Landlord exits set to continue as private rental pressures mount

Approximately 93,000 buy-to-let landlords exited the market during 2025, according to estimates from property purchasing firm LandlordBuyer, as regulatory reform and financial pressures reshaped the economics of private renting. The firm says the pace of exits is unlikely to...

Younger landlords lead shift towards limited company buy-to-let ownership

The growth in limited company ownership of buy-to-let property has been driven largely by a new generation of landlords entering the market with corporate structures already in place, according to new research from Paragon Bank. A survey of more...

Paymentshield posts double-digit growth as advisers step up focus on general insurance

Paymentshield says sales momentum has continued to build through 2025, with new business volumes on track to rise by more than 15% year on year. The general insurance provider expects new business to be up by over 15% by...

PROFILE

Graham McClelland on Britain’s broken mortgage market

When Graham McClelland, the youthful and quietly intense chief executive of Gen H, arrived at the City of London office of the fast-growing mortgage...

INDUSTRY COMMENT

FS25/6 and the execution-only irony brokers can’t ignore

Reading FCA FS25/6, it is difficult not to notice an uncomfortable irony in the regulator’s conclusions around execution-only sales. The paper rightly raises concerns about...

Less Autumn Budget and more Autumn Bodgit

After months of fevered speculation before the Budget residential property transactions juddered to a halt. I always suspected that as ‘confidence arrives on foot and...

What the agents say: 2026 housing market predictions

Next year should be a year of steady progress for the housing market. After a challenging 2025 where we saw little to no house...

Q&As

BUY-TO-LET

IMLA predicts sustained growth in mortgage lending through 2027

The Intermediary Mortgage Lenders Association (IMLA) is forecasting rising mortgage lending volumes through 2026...

Sirius completes £18.4m portfolio refinance in Greater Manchester

Sirius Finance has completed an £18.4m refinance of a mixed-use property portfolio across Greater...

UTB appoints commercial director for mortgages, buy-to-let and bridging

United Trust Bank has appointed Andrew Ferguson to a newly created commercial director role...

Quantum Mortgages set to expand into specialist residential lending

Quantum Mortgages is preparing to enter the specialist residential mortgage market, extending its lending...

Big restructure at Afin Bank as leaders head for pastures new

Afin Bank is restructuring its senior management team after key players James Briggs and...

Rental supply rises year on year despite tax and regulatory pressures

Rental supply across England has increased by more than 15% over the past year,...

Growth in mortgage lending forecast to continue despite tighter affordability

UK Finance has released its latest Mortgage Market Forecast for 2026 and 2027, projecting...

CHL Mortgages widens upper LTV range with new fixed-rate options

CHL Mortgages for Intermediaries has expanded its upper loan-to-value range with a series of...

MORTGAGE MINGLE PODCAST

NEWSLETTER SIGNUP

FIRST-TIME BUYERS

Bridging brokers cite government policy as main risk to mortgage market

Research among bridging professionals suggests political uncertainty outweighs concerns over rates, affordability and housing supply. Government policy is viewed as the biggest risk facing the mortgage market, according to new research from Black & White Bridging, with intermediaries placing it ahead of interest rates, affordability...

The Vernon boosts affordability support with JBSP launch

Vernon Building Society has launched a new Joint Borrower Sole Proprietor mortgage range aimed...

FCA outlines reforms aimed at broadening access to mortgages

The Financial Conduct Authority has set out plans to reshape the mortgage market, with...

Market set for Boxing Day rebound as prices tipped to rise in 2026

House prices ended 2025 lower than a year earlier after an unusually subdued second...

Stamp duty receipts rise sharply as market shows signs of broad recovery

Stamp duty revenues increased substantially in the past financial year as activity returned to...

OPINION

Younger consumers are ready for protection. So why aren’t we reaching them?

For years, the protection market has assumed that younger adults are less engaged with financial risk planning. Yet the latest findings from Bruised Britain...

The buy-to-let market continues to defy expectations

Perception and reality are often mistaken for one another. That is especially true in...

Advisers are missing a clear chance to help clients with survey advice

For years, advisers have often seen surveys as something outside their core work. Some...

Later life lending and the importance of a lasting power of attorney

It’s fair to say that later life lending has moved from a niche corner of the market into a more mainstream space, as older borrowers seek new ways to manage loans, maintain income, clear debt, and support their families. This shift has become clearer as...

What my Gen Z daughter can teach us about engaging young buyers

Younger people are often badged with some unfair stereotypes when it comes to protection - "they're not interested", "they don't care", "they won't engage"....

DISTRIBUTION

The Cumberland joins L&G’s Ignite platform to widen broker access

L&G’s Ignite platform has added Cumberland Building Society as a lender partner, expanding broker...

MIMHC launches programme to train over 100 Mental Health First Aiders

The Mortgage Industry Mental Health Charter (MIMHC) Foundation has announced its most ambitious programme...

Connect adds BuildLoan to panel to boost self-build and renovation support

Connect for Intermediaries has added specialist distributor BuildLoan to its lender panel, expanding adviser...

Chetwood Bank raises maximum exposure limit to £10 million

Chetwood Bank is raising the maximum buy-to-let exposure limit to £10 million for both...

Norton Home Loans added to L&G Mortgage Club lender panel

Norton Home Loans, part of the Norton Financial Services Group, has joined the lender panel of L&G’s Mortgage Club, giving member advisers access to the lender’s full suite of second charge mortgage products. The move brings a long-standing specialist player into one of the largest...