Self-employed borrowers face narrower lender choice

Self-employed mortgage applicants have access to more than a third fewer eligible lenders than employed borrowers, latest analysis from Mortgage Broker Tools reveals. MBT data for June 2026 showed that self-employed applicants could choose from an average of 12...

Latest news

Mortgage broker revenue rises as adviser numbers fall

Reported revenue from mortgage broking increased by 15.9% to £1.6bn during 2025 despite a decline in the number of mortgage adviser posts, according to...

Landlords target growth despite rising costs

More than eight in 10 professional property investors plan to expand their portfolios during the next 12 months despite rising operating and compliance costs,...

Home insurance defies wider fall in customer satisfaction

Home insurance has bucked a wider decline in customer sentiment towards UK insurers, according to Smart Money People. The financial services review site's UK Insurance...

Nova appoints Andrew Smith as commercial director

Conveyancing provider Nova has appointed Andrew Smith as commercial director as it seeks to expand its relationships with estate agents and mortgage brokers. Smith (pictured)...

Vida sharpens lending rules for borrowers approaching retirement

Vida has revised its later-life mortgage criteria to give brokers clearer guidance when arranging loans that extend into a borrower's retirement. The specialist lender's Next Chapter Lending proposition is aimed at later first-time buyers, homeowners moving in their fifties...

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...

Twenty7tec offers free ADAPT trial as mortgage product changes pass 450,000

Twenty7tec is giving RESEARCH users free access to its ADAPT market surveillance tool for two months as mortgage advisers contend with a rapid pace of product and criteria changes. Users can sign up for the trial until 31 July....

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 multi-unit freehold block, which is held on a single freehold, was valued at £3.2m after being fully refurbished. The borrower, an experienced portfolio landlord and...

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

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...

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, effective 21 July. Halifax removed its sub-4% deals entirely. Barclays'...

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 for. It's not about rates. It's not about the political...

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,...

Expect more movement in the coming days and weeks

Swap rates moved again last week, and brokers who get ahead of this by reaching out to clients now will be doing them a...

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...

Q&As

BUY-TO-LET

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...

Afin Bank joins Mortgage Advice Bureau lender panel

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

Foundation shows how revised Property Plus criteria unlock Scottish buy-to-let purchase

Foundation has highlighted how enhancements to its Property Plus proposition helped a broker secure...

Together raises £563m through latest residential mortgage securitisation

Together has completed the pricing of a £562.9 million residential mortgage-backed securitisation, marking its...

NEWSLETTER SIGNUP

FIRST-TIME BUYERS

OPDA welcomes Rayner’s return to housing brief

The Open Property Data Association has welcomed Angela Rayner’s return as housing secretary and called for continuity in the government’s work to modernise the homebuying process. The trade body said Rayner’s previous experience in the role and existing relationships with the property industry should enable...

Lenders turn to live data as mortgage searches rise

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

Stamp duty receipts hold at £6.6 billion despite lower thresholds

Homebuyers paid £6.6 billion in stamp duty land tax during the first half of...

Newcastle widens mortgage support scheme with 95% LTV option

Newcastle for Intermediaries has relaunched its Joint Mortgage Sole Proprietor (JMSP) range with broader...

World Cup, heatwaves and politics cool housing market

Political uncertainty, higher mortgage rates and a summer dominated by holidays, heatwaves and the...

OPINION

A steadier second half of 2026 in sight?

The first half of 2026 has been a reminder that the mortgage market does not operate in isolation. While domestic economic conditions have remained...

How brokers can secure better client outcomes in a volatile market

Experience has always counted in the mortgage market. Brokers who worked through the financial...

Housing reform needs a thriving private rental sector, not just a thriving sales and purchase market

One of the most encouraging developments over recent weeks has been the renewed focus...

The economics of developing the next generation of advisers

Over the past couple of decades, I have worked alongside literally thousands of AR and DA firms, from businesses employing one or two advisers through to much larger operations. One thing has become increasingly clear during that time. Very few firms lack the ambition to...

Is Andy Burnham the New Messiah or just Starmer with better eyebrows?

What a damning indictment of Labour that Andy Burnham appears to be strolling towards the leadership in what looks less like a contest and...

DISTRIBUTION

Molo strengthens leadership team with chief operations officer appointment

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

LendInvest posts record £1.44bn lending year

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

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...

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...

Omni Protect becomes first service provider to adopt Beagle Street intermediary proposition

Omni Protect has become the first service provider for directly authorised firms to offer Beagle Street’s new intermediary protection proposition to advisers following a new partnership between the two businesses. The agreement follows Beagle Street’s recent expansion into the intermediary market and gives the more...