Merry Christmas from Opus First Media!

Wishing you a Soup-er Christmas and a prosperous 2026! Between Christmas and the New Year and alongside occasional and breaking news we will also be publishing 2025 reviews and predictions for the year ahead from leading industry figures. Full...

Latest news

Rental prices hold steady as supply edges higher, Propertymark finds

Average rents agreed across the UK remained broadly flat in 2025, despite a rise in the number of homes coming to the rental market,...

Lloyds data points to shifting housing hot spots as regional markets diverge

The South West city of Plymouth topped Lloyds’ latest ranking of housing hot spots, with average property values rising by 12.6% over the past...

Westminster and London dominate list of most expensive areas for first-time buyers

A new study has identified where first-time buyers paid the highest prices for their first home in 2025, highlighting the continued affordability pressures across...

Fixed rates dominate as first-time buyers drive activity in 2025

The UK mortgage market in 2025 was shaped by falling rates towards year-end, a strong autumn rush and a continued preference for fixed-rate borrowing,...

The Wealthy Advisers Club passes 750 members and secures CPD accreditation

The Wealthy Advisers Club has reached 750 adviser members less than a year after launching, while also securing CPD accreditation for its training programme. The club, a UK-based training community for mortgage and protection advisers, said its newly accredited...

Housing reforms set to reshape UK landscape in 2025

The UK housing market is entering one of its most reform-heavy periods in decades with a raft of regulatory, tax and planning changes due to take effect across all four nations in 2025 and beyond. Renters, homebuyers and landlords...

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 hikes to Capital Gains and Inheritance Tax, the final script turned out to be...

Crackdown on wrongly claimed Covid loans

Brokers, businesses and sole traders who wrongly claimed Covid-era financial support have been warned they have until 31 December to come forward or face prosecution as the government prepares a renewed clampdown on pandemic fraud. The Covid Voluntary Repayment...

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

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

Throughout 2025 many in the housing industry, both lenders and builders cast serious doubt on the government’s ability to reach its target of building...

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 is not a landscape which is changing beyond recognition. Advice will...

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...

Q&As

BUY-TO-LET

Paragon introduces Bank Base Rate tracker buy-to-let range

Paragon Bank has launched a new buy-to-let tracker mortgage range linked to the Bank...

Together bolsters corporate portfolio team with senior banking hires

Property lender Together has expanded its Corporate Portfolio team as it continues to scale...

Gatehouse Bank launches refinance fee saver purchase plans for UK residents

Gatehouse Bank has introduced a limited edition range of refinance products for UK residents...

Recognise Bank completes £1.825m bridge-to-term deal for London landlord

Recognise Bank has provided a £1.825m bridge-to-term facility to support an experienced London landlord...

The Right Mortgage & Protection Network reports strong Q3 performance

The Right Mortgage & Protection Network has reported another quarter of growth, pointing to...

INDUSTRY REACTION: Bank rate cut passes by narrow margin

At its meeting ending on 17 December 2025, the Monetary Policy Committee voted by...

Landlord exits set to continue as private rental pressures mount

Approximately 93,000 buy-to-let landlords exited the market during 2025, according to estimates from property...

Younger landlords lead shift towards limited company buy-to-let ownership

The growth in limited company ownership of buy-to-let property has been driven largely by...

MORTGAGE MINGLE PODCAST

NEWSLETTER SIGNUP

FIRST-TIME BUYERS

First-time buyers spark busiest housing market for three years

First-time buyers are fuelling the busiest year for the housing market since 2022 with sales rising sharply even as house price growth remains subdued. Zoopla’s latest House Price Index reveals the UK is on track for around 1.2m property transactions in 2025 – up 9%...

Gen H widens credit criteria to support more first-time buyers

Residential mortgage lender Gen H has extended its internal credit criteria in a move...

Rightmove forecasts modest house price rise in 2026

House prices are expected to rise modestly in 2026, with asking prices forecast to...

IMLA predicts sustained growth in mortgage lending through 2027

The Intermediary Mortgage Lenders Association (IMLA) is forecasting rising mortgage lending volumes through 2026...

Bridging brokers cite government policy as main risk to mortgage market

Research among bridging professionals suggests political uncertainty outweighs concerns over rates, affordability and housing...

OPINION

2026 forecasts: St. James’s Place

Four senior figures at St. James’s Place outline themes, opportunities and concerns for 2026. JUSTIN ONUEKWUSI, CHIEF INVESTMENT OFFICER Artificial intelligence is likely to remain a...

2026 forecasts: Atom bank

Chris Storey, chief commercial officer at Atom bank, provides his thoughts on the residential...

“It’s Christmas time, there’s no need not to check your supplier list…”

With the Christmas holidays upon us, it’s fair to say that business issues might...

FS25/6 and the execution-only irony brokers can’t ignore

Reading FCA FS25/6, it is difficult not to notice an uncomfortable irony in the regulator’s conclusions around execution-only sales. The paper rightly raises concerns about higher-risk borrowers needing advice, yet it also reflects a market reality where many low-risk, capable customers are being pushed down...

Less Autumn Budget and more Autumn Bodgit

After months of fevered speculation before the Budget residential property transactions juddered to a halt. I always suspected that as ‘confidence arrives on foot and...

DISTRIBUTION

Connect adds BuildLoan to panel to boost self-build and renovation support

Connect for Intermediaries has added specialist distributor BuildLoan to its lender panel, expanding adviser...

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...

Big restructure at Afin Bank as leaders head for pastures new

Afin Bank is restructuring its senior management team after key players James Briggs and...

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...

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 its ModaMortgages and CHL Mortgages for Intermediaries brands. The digital challenger bank is doubling both lenders’ previous lending limits of £5 million to help support brokers with clients looking to grow...