Landbay reduces five-year Premier fixed rates

Landbay has cut rates across its five-year fixed Premier products, with prices now starting at 4.09%, in the latest move to sharpen its buy-to-let offering. The biggest cuts apply to Premier five-year fixed products available up to 75% loan-to-value,...

Latest news

TOM BILL: Lower borrowing costs offer Treasury respite

The length of the Office for Budget Responsibility’s observation window – the period when it takes a snapshot of the economy to inform its...

How social media has transformed financial services

As SM Advice celebrates its first year it’s hard to ignore just how much social media has changed for financial services - and for...

FCA calls on banks to ‘break the spell’ of romance scams

Banks and payment firms must do more to identify and intervene in cases of romance fraud, the Financial Conduct Authority (FCA) has warned, after finding that victims lost £106 million to such scams last year. The regulator’s review found...

Work provides purpose, something well worth protecting

When you meet someone for the first time, what questions do you ask? After enquiring about their name and where they live, the next one tends to be: “What do you do?” Where you work and what profession you...

Digital ID cards could be transformative for the UK

With identity verification now being introduced across government - from Companies House and the Department for Work and Pensions (DWP) to the EU’s new Entry/Exit System (EES) - the direction of travel is clear. Digital ID is no longer...

Simplify wins Best Digital Transformation at UK Customer Experience Awards

Simplify has been named Best Digital Transformation winner at the UK Customer Experience Awards, beating major brands including Coca-Cola, British Gas and Octopus Energy. The award recognises Simplify’s ambitious technology-led overhaul of residential conveyancing and property services – a...

PROFILE

Roland McCormack on driving transformation in the mortgage market

The Teams window flickers into life and then Roland McCormack appears in the bottom left-hand corner of my screen, squinting slightly as he tells...

INDUSTRY COMMENT

Advisers must ensure later life lending is part of their toolkit

Older borrowers are increasingly tapping into mortgage finance. The latest UK Finance data shows that lending to older borrowers continues to rise, with the...

Bring back MIRAS for first-time buyers?

No, this isn’t some form of nostalgia like bringing back Opal Fruits or Marathon bars (which may well have disappeared around the same time)...

What the 2025 Party Conferences told us about property

Key housing and property policy developments from all four major UK political party conferences revealed a clear divide between those prioritising hard targets and...

MORTGAGE MINGLE PODCAST

Q&As

BUY-TO-LET

Foundation trims holiday let rates to strengthen specialist buy-to-let offer

Foundation Home Loans has reduced rates across its core and limited edition holiday let...

Energy rules now top reason landlords plan to sell

Government proposals to tighten Energy Performance Certificate (EPC) requirements have overtaken tax and interest...

Zephyr extends buy-to-let range to larger HMOs and MUFBs

Zephyr Homeloans has launched a new range of buy-to-let mortgage products catering for larger...

Growing financial divide between larger and smaller home returns

Homeowners selling detached houses have made average capital gains of £122,500 in the past...

UTB cuts buy-to-let rates by up to 190bps

United Trust Bank has announced significant rate cuts across its buy-to-let mortgage range, reducing...

LendInvest launches 8.25% retail bond and exchange offer

LendInvest has announced the launch of a new retail bond paying 8.25% as part...

Market Financial Solutions joins Mortgage Intelligence lender panel

Market Financial Solutions has been added to the lender panel of Mortgage Intelligence, giving...

Clydesdale Bank updates valuation fee policy to support high-value borrowers

Clydesdale Bank has revised its approach to valuation fees, extending the benefit of free...

NEWSLETTER SIGNUP

FIRST-TIME BUYERS

Housing market stalls as buyers await Autumn Budget clarity

Uncertainty surrounding the government’s forthcoming Autumn Budget has prompted a slowdown in housing market activity, according to Landmark Information Group’s latest Residential Property Trends Report. The data for the third quarter of 2025 shows a market in pause, as speculation about potential property tax reforms...

Govt’s homebuying reform ‘could cut buying times by four weeks’

The government’s proposed overhaul of the homebuying process could save first-time buyers an average...

IMLA back overhaul of home buying system amid call for clarity and professionalism

The Intermediary Mortgage Lenders Association has welcomed the government’s consultation on reforming the home...

Many first-time buyers aim to clear their mortgage by 40, TSB finds

More than one in six first-time buyers hope to be mortgage free by the...

New-build sales slump 62% as buyers await price stability

Sales of new-build homes have fallen sharply this year despite improved mortgage availability and...

OPINION

Two lenders under one roof and a new-look team

The past 12 months or so have been anything but dull at Chetwood Bank. In May 2024, we announced that we’d acquired CHL Mortgages...

BREAKING NEWS: A triple Christmas bonus for brokers

In Kemi ‘Badenough’s’ closing speech at the Conservative Conference in Manchester this week she...

How to get insights from your entire customer base

When was the last time you switched your bank or mortgage company without checking...

The nightmare of UK homebuying needs reform

House sellers will be forced to disclose problems with their homes before sale under plans by the Government to cut costs for buyers and speed up purchases. The plans – which the Government is billing as “the biggest shakeup to the homebuying system” in England’s...

Goldilocks and the three bear markets

Are you familiar with C/2025 N1 (ATLAS) or you might know it by its nickname 3I/ATLAS? Whatever you want to call it,  it is currently...

DISTRIBUTION

OneDome secures £7.5m Channel 4 Ventures deal

OneDome has announced a £7.5 million partnership with Channel 4 Ventures to support a...

Norton Home Loans widens lending access for non-standard borrowers

Norton Home Loans has introduced a package of criteria changes and rate reductions designed...

Government pledges ongoing support for MIMHC as Charity Ball raises £50,000

The UK Government has pledged to continue working closely with the Mortgage Industry Mental...

Kensington Mortgages appoints head of national accounts

Kensington Mortgages has appointed Helen Cawthra as head of national accounts as the specialist...

Mortgage industry gears up for Take Me Home 25 Christmas Charity Concert

Support continues to build for what is shaping up to be the mortgage industry’s biggest charitable event of the year as three more major firms throw their backing behind the Take Me Home Christmas Charity Concert. The event – the brainchild of Kevin Duffy, managing...