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 in 2026. UK Finance confirmed it. And before you think "great, more business" – stop....

Latest news

Hope Capital secures £35 million HTB funding line

Hope Capital Property Finance has secured a £35 million wholesale funding line from Hampshire Trust Bank as it targets further growth in the UK...

Nottingham Building Society backs Instamo broker padel event

Nottingham Building Society has been confirmed as headline sponsor of Instamo's FastAdmin Broker Padel Open. The event will take place on Wednesday 1 July 2026...

Warhol collection helps secure £310k loan for home improvements

A high-net-worth client has secured a £310,000 short-term loan against a collection of Andy Warhol artworks and diamond jewellery to fund home improvements and...

Brokers urged to strengthen sanctions checks

Mortgage and financial services firms are being urged to review their sanctions controls after the Financial Conduct Authority revealed significant weaknesses in compliance processes...

OneDome named among Europe’s fastest-growing fintech firms

OneDome has been named one of the fastest-growing fintech companies in Europe, the Middle East and Africa after securing a place in Deloitte’s prestigious Technology Fast 500 rankings. The UK-based housing and fintech platform ranked 10th among all fintech...

Foundation raises maximum residential lending age to 80

Foundation Home Loans has increased its maximum residential lending age from 75 to 80 as part of a wider refresh of its residential mortgage range. The intermediary-only specialist lender said the change was intended to give brokers more options...

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...

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 and reintroduced high income multiple mortgages as it looks to broaden options for brokers and borrowers. The mutual has cut rates on selected products by...

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

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...

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...

Q&As

BUY-TO-LET

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...

Fleet Mortgages joins LMS panel link

Fleet Mortgages has joined LMS Panel Link in a move intended to improve lender-law...

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...

GB Bank launches core buy-to-let and bridging product range for intermediaries

GB Bank has launched a new off-the-shelf buy-to-let and bridging range for intermediaries as...

Kensington adds free valuations across residential range

Kensington Mortgages has introduced free valuations across all residential mortgage products while cutting rates...

Quantum completes third securitisation as funding tops £800m

Quantum Mortgages has completed its third public securitisation, taking funds raised through its Bletchley...

Foundation launches limited-edition buy-to-let fixes at 75% LTV

Foundation has launched two limited-edition buy-to-let fixed-rate products for landlord borrowers at 75% loan-to-value. The...

NEWSLETTER SIGNUP

FIRST-TIME BUYERS

First-time buyer affordability hotspots revealed

Grimsby, Greenock and Burnley are among the most accessible locations for first-time buyers, according to new research from reallymoving. reallymoving’s Home Affordability Map shows where first-time buyers can access the largest share of two-bedroom homes within the average regional first-time buyer budget. The research identifies locations...

Halifax and Lloyds cut mortgage rates by up to 14bps across purchase and remortgage ranges

Halifax and Lloyds Bank have reduced rates across a range of first-time buyer, home...

Paradigm calls for mandatory advice for first-time buyers

Paradigm Mortgage Services has called for mandatory regulated mortgage advice for all first-time buyers,...

Bailey signals Bank Rate hold as Iran conflict clouds outlook

Bank of England Governor Andrew Bailey has signalled that interest rate cuts are likely...

West Brom lends more than £1bn as first-time buyers dominate new homebuyer loans

West Brom Building Society completed more than £1 billion of new homeownership lending in...

OPINION

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 finally came to an end on Friday 15th May as...

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...

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 leaders Jason Berry and Charlie Morley crossed the finish line at HSBC's Birmingham head office at 15:45. Some 64 participants from...

Beyond the walk: Mortgage leaders talk mental health – part 18

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

Shepherds Friendly inks Primis distribution deal

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

Equity Release Group launches adviser network

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

The Right Mortgage sets out June roadshow programme

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

Canal trek triumph as Berry and Morely win gold

Jason Berry and Charlie Morely finished their epic 141-mile trek up the Grand Union...

The Right Mortgage adds TAB to lender panel

The Right Mortgage & Protection Network has added specialist property finance lender TAB to its lender panel. The move gives advisers at The Right Mortgage & Protection Network access to TAB's mortgage and bridging finance products. TAB's mortgage rates start from 3.5% per annum and Bank...