No acceleration in rental EPC improvements despite policy push

Rightmove’s 2025 Greener Homes Report indicates that the overall energy efficiency of UK homes is still improving, but at a sluggish pace. Although the rental sector continues to outperform the resale market on average efficiency, recent legislative ambitions have...

Latest news

Zephyr lifts broker fees and trims rates across buy-to-let range

Zephyr Homeloans has raised procuration fees for intermediaries and cut pricing on its fixed-rate buy-to-let products as competition intensifies across the specialist market. The lender...

Roma Finance partners with new refurbishment cost platform

Roma Finance has been named finance partner for the national rollout of the Refurb Calculator, a digital platform offering developers faster and more accurate...

Paragon marks decade of SME lending with £3.6bn milestone

Paragon Bank has marked 10 years since its move into SME finance by surpassing £3.6 billion of lending, underscoring how the business has expanded...

Stamp duty receipts rise sharply as market shows signs of broad recovery

Stamp duty revenues increased substantially in the past financial year as activity returned to the housing market following two years of subdued dealmaking. New figures...

StreamBank streamlines bridging range into three simplified categories

StreamBank has overhauled its bridging proposition, introducing a simplified three-part structure designed to make case placement easier for brokers. The bank’s refreshed suite now groups loans into residential, commercial and refurbishment categories, following feedback from intermediary partners who sought...

HTB finalises £6m refinance on complex London portfolio

Hampshire Trust Bank (HTB) has completed a £6 million refinance for an experienced landlord with a £100 million London portfolio, marking the second stage of a wider restructuring. The deal follows an earlier £7.5 million refinance completed during the...

More2life shortens Flexi ERCs and introduces age-based sourcing enhancement

More2life has introduced a series of changes designed to broaden later life lending options for advisers and their clients, beginning with a cut to the Early Repayment Charge period on its Flexi products. The ERCs will now apply for...

Hanley Economic widens lending criteria to reflect modern working patterns

Hanley Economic Building Society has refreshed its residential lending criteria, aiming to accommodate a broader range of income profiles and give brokers more scope to place cases that fall outside conventional parameters. The most significant change is the removal...

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

Paragon widens streamlined process to HMOs and multi-unit blocks

Paragon Bank has expanded its streamlined buy-to-let mortgage application process to cover houses in...

ColCap UK passes major buy-to-let milestone as lending platform expands

ColCap Financial UK, the parent company of specialist lender Molo, has passed £1 billion...

Zoopla: Rental demand slips as buyers return

Zoopla’s latest Rental Market Report shows the rental sector entering a new phase of...

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...

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

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...

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...

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...

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...

Conveybuddy adds Talbots Law to its conveyancing panel

Conveyancing distributor conveybuddy has appointed Talbots Law to its panel, giving advisers access to a new specialist team handling transactional cases. Talbots Law is an employee-owned firm operating across Worcestershire, Shropshire, Cheshire and the West Midlands. The practice helps more than 20,000 people move home...