Digital mortgage ID checks unaffected by government U-turn

Digital identity verification used by mortgage lenders, brokers and other regulated firms is unaffected by the Government’s decision to abandon its national digital ID scheme. Prime Minister Andy Burnham scrapped the planned government-issued digital identity programme after entering Downing...

Latest news

Final call for views on FCA mortgage reforms

The mortgage industry has until tomorrow to respond to Financial Conduct Authority proposals intended to widen access for first-time buyers, self-employed workers and older...

One in five borrow to fund private healthcare

Almost one in five people who recently accessed private healthcare used a credit card or personal loan to pay for treatment, research from The...

Family BS launches broker Mortgage Hub

Family Building Society has launched an online mortgage application platform designed to give brokers a faster and more transparent journey from decision in principle...

Cyberattack disrupts Romanian property transactions

A cyberattack on Romania’s national land registry has disrupted property transactions across the country after taking critical digital services offline. The incident affected systems operated...

Just Mortgages and April launch 100% LTV mortgage with family support

Just Mortgages has expanded its first-time buyer range with a semi-exclusive joint borrower sole proprietor mortgage from April Mortgages. The JBSP+ product, which is being offered through Just Mortgages and a small number of selected intermediary firms during an...

Aldermore sets out five-tier mortgage range for borrowers outside high street criteria

Aldermore is to introduce a five-tier residential lending range aimed at borrowers whose circumstances may not meet mainstream mortgage criteria. The lender will launch the approach on Wednesday 29 July, offering brokers a choice of tiers intended to accommodate...

Buyers value energy efficiency but resist paying a premium

Energy efficiency matters to 85% of homebuyers but only 2% would pay significantly more for a greener property, according to research from LRG. The property services group found that a further 26% would pay a little more for an...

Landmark launches upfront property search pack to cut transaction delays

Landmark Information Group has launched a search bundle that provides property information when a home is listed, as the industry prepares for reforms to the buying and selling process. Sales Pack Ready combines a Personal Local Search, a Drainage...

PROFILE

Toni Smith on the human factor and the fourth emergency service

After nearly four decades in financial services, Sesame Network distribution director Toni Smith still believes technology should make advisers stronger, not replace them. When Toni...

INDUSTRY COMMENT

Rates are moving and regulation is evolving

Many lenders are having to increase their rates, and that trend looks set to continue over the coming week. For clients whose current deal...

Building tomorrow’s mortgage market: AI built on trust, governance and confidence

The government's Financial Services AI Adoption Plan, led by Harriet Rees, group chief information officer at Starling Bank, and Dr Rohit Dhawan, group director...

The protection prompt: what AI still needs to get right

The Mills Review has prompted plenty of discussion across the mortgage industry. While much of the focus has been on the finding that a...

Why second charges are helping Right to Buy borrowers do more with their home

For many people, Right to Buy is still one of the most accessible ways to become a homeowner and over the last five years,...

The case for tech fluency before AI adoption in the mutual sector

It often feels like there is only one conversation taking place in financial services at the moment: artificial intelligence. Whether it’s trade shows and...

Commonhold and RTM: do not mistake control for simplicity

Commonhold is presented as a fairer form of flat ownership. Right to Manage (RTM) is sometimes portrayed as a quick way for residents to...

Q&As

BUY-TO-LET

Rely advances £2.4m against refurbished Northumberland rental block

Rely has completed a £2.4m remortgage secured against a 55-unit residential block in Northumberland. The...

Landlords turn to portfolio refinancing to fund expansion

More than three-quarters of landlords are considering refinancing their existing portfolios to fund further...

Word On The Street arranges £108m of property finance in record year

Word On The Street arranged more than £108 million of property finance across 239...

UTB widens buy-to-let criteria

United Trust Bank Mortgages has introduced a package of buy-to-let criteria changes aimed at...

Landlord company formations hit record high

The number of landlord companies incorporated annually in Britain has risen by more than...

Shamplina joins Panorama rental fraud investigation

Landlord Action founder Paul Shamplina will appear in a BBC Panorama investigation into criminal...

Scotland leads Q2 landlord yield growth

Landlord gross rental yields strengthened during the second quarter, driven by growth in Scotland,...

HSBC UK raises residential and buy-to-let mortgage rates

HSBC UK is increasing rates across a range of residential and buy-to-let mortgages from...

NEWSLETTER SIGNUP

FIRST-TIME BUYERS

First-time buyer demand slips as shortage of suitable homes persists

First-time buyer demand weakened across Great Britain in the second quarter of 2026, although Edinburgh, Liverpool and several other cities recorded stronger activity. Research by Yopa found that 32.9% of homes suitable for first-time buyers had sold subject to contract during the quarter, compared with...

House price growth slows to 2.7%

Annual UK house price growth slowed to 2.7% in May, down from 3.9% in...

Just one in seven homes records five years of growth

Fewer than one in seven UK homes increased in value during every year of...

OPDA welcomes Rayner’s return to housing brief

The Open Property Data Association has welcomed Angela Rayner’s return as housing secretary and...

Lenders turn to live data as mortgage searches rise

Twenty7tec and Saffron Building Society have examined the growing use of real-time market intelligence...

OPINION

No holidays: advice firms need a plan for a busy August

Every summer, the same quiet risk runs through the intermediary market. Advisers, case managers and administrators go on holiday. Specialist lending cases, which have...

Every rate shock is becoming a test of the modern mortgage business

Halifax, Barclays and HSBC increased selected mortgage rates by up to 0.20% this week,...

Your next client is probably more complicated than your last one

There's a shift happening in the mortgage market that most small firms aren't ready...

Why post-contract variation is becoming the mortgage market’s next battleground

For much of the past decade, mortgage technology investment has focused on origination and with good reason. Faster decisions in principle, automated affordability assessments, digital document recognition and streamlined application journeys have all improved the experience for lenders, brokers and borrowers alike. Origination is where...

Will we look back at Q2 as the most stable quarter of 2026?

The first half of 2026 has reminded us how quickly sentiment can change within the mortgage and housing markets. After a fairly stable and promising...

DISTRIBUTION

Uinsure secures exclusive Lloyds Bank General Insurance panel deal for advisers

Uinsure has added Lloyds Bank General Insurance to its home insurance panel in an...

Molo strengthens leadership team with chief operations officer appointment

Molo has appointed Lynne French as chief operations officer as the specialist mortgage lender...

Afin Bank joins Mortgage Advice Bureau lender panel

Afin Bank has joined Mortgage Advice Bureau’s lender panel, giving its advisers access to...

LendInvest posts record £1.44bn lending year

LendInvest recorded its strongest ever year for lending in the 12 months to 31...

TMG boss promises Bank Holiday Monday if England reach World Cup final

TMG mortgage network founder and CEO Scott Thorpe has pledged to give every member of staff Monday off if England beat Argentina to reach the FIFA World Cup final tonight. Mortgage Soup revealed earlier this month how football mad Thorpe closed the network's offices following...