Budget uncertainty deepened November slowdown in housing market

The latest RICS UK Residential Market Survey shows that the Autumn Budget did little to revive activity, with most indicators remaining negative and agents deferring hopes of a recovery until spring 2026. While respondents acknowledged that extensive leaks ahead...

Latest news

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...

West One strengthens mortgage division with trio of senior hires

West One Loans has expanded its mortgage division with three appointments as the lender continues to scale its residential, second charge and buy-to-let operations. The...

Suros Capital lends £105,000 against luxury watches to support Spanish development

Suros Capital has provided a £105,000 loan to a property developer after agreeing secured lending against part of his luxury watch collection, which included...

Homebuyers continue to rely on brokers despite rise of digital tools

Santander has reported that mortgage brokers remain central to the homebuying process, with new research showing most borrowers would struggle to secure a mortgage...

Optimum Finance backs expansion of Materials Testing Group

Materials Testing Group, a UK firm specialising in the analysis of structural materials, has turned to Optimum Finance, part of eCapital, to secure more flexible funding as it continues to scale. The business tests aggregate, asphalt and concrete to...

Conveybuddy unveils new account manager

Conveybuddy has appointed Emily Bradbury as account manager, a move that adds further capacity to its broker support operations at a time of rising demand. She joins with immediate effect and will work directly with the company’s registered broker...

The Cambridge raises stress limits to widen borrowing capacity

The Cambridge Building Society has moved to strengthen support for residential borrowers by increasing its affordability stress limits, a change it says will allow some customers to borrow as much as £33,000 more than before. The adjustments apply across...

Octopus Legacy and Shepherds Friendly launch simplified life cover to close protection gap

Octopus Legacy, the estate planning provider, has joined with mutual society Shepherds Friendly to create a simplified life insurance offering designed to reduce the barriers that often prevent consumers from arranging protection. Data from Octopus Legacy’s ‘death preparedness’ quiz...

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

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 the buy-to-let market, where sentiment frequently diverges from what is...

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 did not know enough about them. Some were unsure how...

Q&As

BUY-TO-LET

Investec trims rates as high-net-worth borrowers regain confidence

Investec Bank has cut pricing on fixed and tracker products for both residential and...

Quantum Mortgages cuts rates and expands larger loans criteria

Quantum Mortgages has introduced a series of rate reductions and criteria enhancements across its...

Market Financial Solutions intensifies training push across specialist lending sector

Market Financial Solutions has underlined its commitment to raising educational standards across the specialist...

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...

Metro Bank halves minimum buy-to-let loan size to widen access

Metro Bank has cut its minimum buy-to-let loan size from £100,000 to £50,000 as...

LendInvest reports stronger profitability in H1

LendInvest has reported a rise in profitability and lending activity in its half-year results...

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...

Kent Reliance for Intermediaries to withdraw from new lending this month

Kent Reliance for Intermediaries will withdraw from new lending on 17 December, bringing an...

MORTGAGE MINGLE PODCAST

NEWSLETTER SIGNUP

FIRST-TIME BUYERS

Precise widens access to high LTV lending with new build focus

Precise has announced a series of changes to its residential range as the specialist lender continues its overhaul of the proposition this year. The latest updates include enhanced affordability measures, wider access for borrowers with adverse credit and improved options for new build buyers. The lender...

Gen H reduces high LTV rates to bolster first-time buyer activity

Gen H has introduced a series of rate changes across its mortgage range, with...

Early winter slowdown as lender criteria changes hit 2025 high

Knowledge Bank’s November data reveals a quieter month for broker searches set against a...

Zoopla forecasts stronger start to 2026 as market steadies after Budget jitters

The UK housing market is set to enter 2026 with renewed momentum after months...

Midlands set to overtake London as house-price cycle shifts

House prices are forecast to record modest growth next year as falling inflation and...

OPINION

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...

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...

How lenders’ new freedoms are undermining client relationships

Can we expect lenders to try and tighten their grip on borrowers at their...

Why brokers are rethinking bridging

The bridging market has continued to strengthen this year. Data from the Bridging and Development Lenders Association shows loan books at record levels, reinforcing how central short-term finance has become in today’s investment landscape. What we are seeing now is a bridging market that plays...

AMI Protection Viewpoint 2025: Reigniting the protection journey

Making protection relevant and keeping customers engaged is a vital part of the advice process. Yet the recent Association of Mortgage Intermediaries’ Protection Viewpoint 2025...

DISTRIBUTION

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...

Perenna partners with Primis to widen access to long-term fixes

Perenna has agreed a distribution partnership with Primis Mortgage Network, in a move designed...

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...

Conveybuddy adds Talbots Law to its conveyancing panel

Conveyancing distributor conveybuddy has appointed Talbots Law to its panel, giving advisers access to...

Equifinance unveils new brand identity as it prepares for next phase of growth

Equifinance has introduced a full brand refresh, including a new logo, updated livery and a redesigned website, signalling its intention to expand its position in the second charge market. Founded in 2012, the lender has originated more than £750 million of new business and now...