Brokers urge stronger borrowing education as near-prime demand grows

Brokers are calling for greater investment in financial education after reporting a sharp rise in near-prime mortgage enquiries during 2025, according to new research from Atom bank. The digital lender polled brokers during a recent webinar on near-prime lending,...

Latest news

The Cambridge lifts LTV on expat and holiday let buy-to-let mortgages

The Cambridge Building Society has increased the maximum loan-to-value on two specialist buy-to-let ranges as it seeks to widen options for landlords. The society has...

Direct authorisation retreats as networks consolidate their grip on advice market

New FCA data points to a widening structural divide between directly authorised firms and network-backed businesses across wealth and mortgage advice. Fresh figures obtained through...

Early January sees sharp rise in demand for home mover services

Demand for home mover services jumped sharply in the first half of January, with new figures pointing to the release of pent-up activity that...

Coventry targets energy-efficient buy-to-let with new intermediary range

Coventry for intermediaries has launched a new range of buy-to-let products aimed at landlords investing in more energy-efficient properties. The products are available to both...

Mortgage market bounce sparks adviser demand

The UK mortgage market is showing signs of renewed momentum as 2026 gets underway with lenders cutting rates and credit availability improving, offering hope of stronger activity for brokers and training providers. Several high‑street lenders have reduced mortgage pricing...

Houzecheck survey volumes jump 75% as intermediary partnerships gain pace

Proptech surveying platform Houzecheck has reported a sharp increase in activity during 2025, with completed survey volumes up 75% year-on-year. The growth follows investment by Beach Capital at the end of 2024 and a series of senior appointments aimed...

Mortgage activity stalls as buyers sit tight

Mortgage-led housing activity lost momentum at the end of last year as uncertainty around the Autumn Budget prompted buyers and sellers to delay moving plans, latest data from Landmark Information Group reveals. Its Residential Property Trends Report for the...

Foxtons financial services arm lifts revenues

Foxtons has reported double-digit growth in its financial services division in 2025 driven by higher levels of refinancing and stronger connectivity between its mortgage operation and estate agency network. In an unaudited trading update for the year to 31...

PROFILE

Louisa Sedgwick on Paragon and the future of buy-to-let

Three decades into a career she never really planned, Louisa Sedgwick sits at the helm of one of the most closely watched businesses in...

INDUSTRY COMMENT

What could shape buy-to-let in 2026 and the impact for advisers

As we move slowly into 2026, the buy-to-let market feels more settled than it has for some time. That does not mean it is...

If pets are protected, why not families?

I’ve heard many advisers say that protection insurance has ‘gone to the dogs’, but it appears that this viewpoint is literal as opposed to...

2026 will see the normalisation of AI across the mortgage industry

As we look ahead to 2026, there is one word that sits at the heart of how I feel about the mortgage industry: opportunity....

Starting well is easy… staying well is the work

January often arrives with good intentions. Fresh starts. New habits. A quiet promise to ourselves that this year will be different. And for many people,...

From one-off deal to lifetime client: why protection reviews keep you connected

When I first started out in the mortgage industry, I used to think the relationship naturally tapered off once a customer completed on their...

2026 forecasts: why advice will matter even more this year

As we move into 2026, mortgage rules are changing and the aim is clear to make it easier for borrowers to speak to lenders,...

Q&As

BUY-TO-LET

YBS Commercial expands buy-to-let range with new two-year fixed rates

YBS Commercial Mortgages has introduced new two-year fixed-rate products for landlords as part of...

Paymentshield: home insurance referrals climb sharply as advisers embrace referral model

Advisers are increasingly turning to referrals for home and landlord insurance, with new data...

Pepper Money trims residential pricing and adds free valuations to buy-to-let range

Pepper Money has reduced rates across its Pepper48 residential range and introduced free valuations...

Rental yields edge higher as regional gap narrows, Fleet data shows

Average rental yields increased on both a quarterly and annual basis in the final...

Keystone integrates valuation platform in bid to speed up complex cases

Specialist buy-to-let lender Keystone Property Finance has partnered with valuation panel manager Method in...

December slowdown masks steadier footing for mortgage market heading into 2026

Mortgage activity eased sharply in December as the year-end lull set in, but annual...

CHL Mortgages rolls out free valuation HMO and MUFB range as buy-to-let rates ease

CHL Mortgages has launched a new set of limited-edition buy-to-let products offering free valuations...

Limited company ownership set to dominate future buy-to-let purchases

Nearly two thirds of landlords expect to buy future buy-to-let properties through limited company...

MORTGAGE MINGLE PODCAST

NEWSLETTER SIGNUP

FIRST-TIME BUYERS

HSBC trims mortgage rates across first-time buyer and home mover ranges

HSBC UK has reduced rates across a wide range of residential mortgage products, with changes taking effect from Thursday 15 January 2026. The latest adjustments apply to existing customers switching products, first-time buyers and home movers, with reductions spanning two-year and five-year fixed rate deals...

Scotland tipped to lead UK house price growth in 2026

Housing markets across Scotland and northern England are poised to deliver the strongest house...

Furness Building Society partners with Gen H to widen access to homeownership

Furness Building Society has entered into a partnership with residential mortgage lender Gen H...

London tops league for loss-making home sales

London has overtaken the North East as the region where homeowners are most likely...

Housing market steadies as November transactions rise on a seasonal basis

Residential transaction volumes edged higher in November, according to the latest provisional data from...

OPINION

Limited company buy-to-let moves centre stage

The 2025 Budget will be remembered for many things, but the slip-up that ironically saw the Office for Budget Responsibility figures released minutes before...

2026 forecasts: More pessimism or will the housing market strengthen?

Throughout 2025 many in the housing industry, both lenders and builders cast serious doubt...

2026 forecasts: why mortgage tech choices will matter more than ever in 2026

Firstly, while technology is becoming an increasingly imposing presence across the mortgage market, this...

2026 forecasts: technology and surveying

As the market moves towards 2026, the main challenge facing surveying is not access to data, but how well information is gathered and used at the very start of the valuation process. Too much pressure still builds later in a transaction because the property has...

London house price worries? Keep Calm and Carry On

After months of febrile speculation and doom-laden predictions ahead of the autumn Budget, featuring an ensemble cast of Wealth Taxes, Exit Taxes and eye-watering...

DISTRIBUTION

The Dudley appoints head of intermediary relations

Dudley Building Society has appointed Paul Purewal as head of intermediary relations as it...

SortRefer revives Sort Club for 2026

SortRefer has relaunched Sort Club promising a fresh year of rewards on top of...

Positive Lending expands regional sales team with new appointment

Specialist packager Positive Lending has appointed Dean Preston as regional account manager as it...

Santander renews broker pledges for 2026

Santander has renewed its Broker Pledges for 2026, extending its commitments on pricing transparency,...

Gen H reshapes sales team to strengthen broker coverage nationwide

Gen H has announced a series of internal appointments within its sales team, introducing a new senior business development role alongside a corporate account lead position. The changes are intended to provide more targeted support across the lender’s broker panel, covering individual advisers as well...