TRM launches tool to help advisers assess clients’ financial shortfalls

The Right Mortgage & Protection Network has introduced a Shortfall Needs Analysis Calculator designed to support protection conversations and demonstrate adherence to consumer duty rules. The Right Mortgage & Protection Network has unveiled a new calculator intended to help...

Latest news

HTB completes £1.1m Midlands refinancing in four hours

Hampshire Trust Bank (HTB) has completed a £1.1m residential investment refinancing in the Midlands only four hours after issuing its offer. The facility refinanced an...

Brookfield Surveyors joins BDLA as associate member

Brookfield Surveyors has become an associate member of the Bridging and Development Lenders Association as the trade body continues to broaden its professional cohort. Brookfield,...

Shawbrook backs 42-home London scheme with £13m development facility

Shawbrook has partnered with P10 Financial Group to provide a £13m development facility that will fund 42 new apartments in London at a time...

Legl joins Conveyancing Association as new affiliate member

The Conveyancing Association has welcomed Legl as its newest affiliate member, offering the software provider a formal role within the organisation’s programme of meetings...

Hanley Economic expands RIO lending as maximum LTV rises to 70%

Hanley Economic Building Society has widened its later life lending range by lifting the maximum loan-to-value on its retirement interest-only mortgages to 70% and introducing new fixed and variable products. The society has added two fixed rate RIO mortgages,...

Stamp duty receipts rise to £12.3bn as Budget speculation grows

Homebuyers paid £12.3bn in stamp duty between January and October as uncertainty builds ahead of next week’s Autumn Budget. Coventry Building Society’s analysis of the latest HMRC figures shows stamp duty receipts have risen 21% on the same period...

Inspired Lending backs borrower with £250,000 second charge bridge in Cheshire

Inspired Lending has provided a £250,000 net second charge loan to a personal borrower seeking to reduce the balance on a development finance facility attached to a completed scheme. The scheme sits within an SPV in which the borrower...

AUTUMN BUDGET: Industry braces for impact

On Wednesday, the Chancellor is due to deliver the second highly anticipated Autumn Budget of her tenure. And with borrowing costs elevated, growth stubbornly weak and speculation swirling over significant tax reforms, much of the industry is bracing...

PROFILE

Chris Williams on being the architect of connection

For most of the last decade Chris Williams has been dissecting the machinery of the UK property market and helping industry understand how it...

INDUSTRY COMMENT

AMI Protection Viewpoint 2025: Turning challenges into opportunities

Delivering better outcomes and protecting more customers is all in a day’s work for protection advisers. But in today’s fast-paced, constantly evolving environment, navigating...

GIS must be at the heart of place-based policymaking

The UK is under increasing pressure to deliver more homes, strengthen national infrastructure, and meet ambitious environmental goals – from the New Towns Taskforce...

The PT is dead. Long live the broker!

Did you know that every time a borrower approaches their bank directly, a mortgage broker dies? I’m teasing, of course. They don’t really die....

Q&As

BUY-TO-LET

North–South divide widens in UK’s most affordable towns

New research from Zoopla shows a deepening divide in housing affordability with the most...

Affordability edges up as wage growth outpaces house prices

UK housing affordability is expected to improve again next year, with the national house-price-to-income...

HSBC to further cut residential and buy-to-let mortgage rates

HSBC is set to lower rates across its residential and buy-to-let ranges, including products...

Women in Finance: Together pushes for progress

Together has stepped up its campaign to support female talent in specialist finance with...

HomeNow to expand rent-to-own scheme after securing £65m funding

HomeNow has secured £65 million in new funding as it prepares to expand its...

Simplybiz opens post-Budget Advice Show to wider market amid rising uncertainty

Simplybiz will open its post-Budget Advice Show to all financial services professionals for the...

Rents rise twice as fast as house prices

Private rents are continuing to rise at nearly double the pace of house prices...

PM Data Services launch Genie buy-to-let sourcing engine

PM Data Services – the team behind digital broker Property Master - has launched...

MORTGAGE MINGLE PODCAST

NEWSLETTER SIGNUP

FIRST-TIME BUYERS

Budget uncertainty stalls plans for almost a fifth of home-movers

Speculation over property tax reforms in the upcoming Autumn Budget is prompting thousands of prospective buyers and sellers to put their plans on hold, according to new research from Rightmove. In a survey of more than 10,000 people who were either moving home or considering...

Financial education boosts demand for protection insurance

Young adults who receive financial education are significantly more likely to buy protection insurance...

Mortgage chiefs warn MPs on affordability squeeze

Senior mortgage industry figures have warned MPs that Britain’s worsening home-affordability challenge will not...

Millions of UK adults at risk of financial hardship

Millions of UK adults are at risk of financial hardship in the event of...

OneFamily renews call for lifetime ISA reforms to help first-time buyers

OneFamily has renewed its call for reforms to the lifetime ISA, urging the government...

OPINION

Landlords defy the doom – the buy-to-let bounce-back

While the Bank of England recently voted to hold the interest rate at 4%, which will have been disappointing news to landlords who had...

The 12 Days of Christmas: Staying front of mind when clients go quiet

December has long been a quiet month for mortgage advisers. By mid-November, many client...

Why UPRNs and data standards are central to the next generation NLIS

In October 2025, through the Fourth Round of the Regulators’ Pioneer Fund (RPF), Government’s...

AGENT VIEW: I know I’m not a mathematician but to me 6.5 x is the new 3.5 x

Nostalgia isn’t what it used to be, as they say, and in an era of creeping inflation, job insecurity and the menacing spectre of tax rises, it’s tempting to look back and reminisce about buying a 5-bedroom Georgian house in Hammersmith for £2000, as...

Surveying industry undervalued in race to the bottom

After a 16-month break from the property industry I returned to find a landscape that had shifted more than I expected. The private B2C surveying...

DISTRIBUTION

Brightstar expands youth programme and bolsters national accounts team

The Brightstar Group is expanding its Young Learners Programme and has strengthened its national...

Source and ActiveQuote partnership brings PMI referrals to advisers

A new partnership between Source and ActiveQuote will enable directly authorised advisers to refer...

L&G Mortgage Club adds Ecology Building Society to panel

L&G’s Mortgage Club has strengthened its green lending offering by adding Ecology Building Society...

Access FS adds 3mc to mortgage panel to support complex cases

Access Financial Services has added 3mc to its mortgage panel in a move aimed...

Masthaven joins TRM panel to widen access to bridging finance

The Right Mortgage & Protection Network has added Masthaven Finance to its lender panel, broadening the short-term funding options available to advisers across the network. The lender, which provides both regulated and unregulated bridging loans, will offer its full product range to TRM member firms....