‘AI challenges intermediation,’ warns FCA

The Financial Conduct Authority (FCA) has today released its long-awaited Mills Review, which sets out how artificial intelligence (AI) could reshape retail financial services  - including the mortgage market. In relation to mortgages, the findings suggest AI is already...

Latest news

The Right Mortgage appoints new head of academy

The Right Mortgage & Protection Network has appointed Rebecca Egerton as head of The Right Academy. The Right Academy provides firms with a structured route...

Stamp Duty could be holding back 300,000 home movers

Stamp Duty costs could be preventing more than 300,000 owner-occupied homes from coming to market in England within a year, according to new research...

National Friendly joins Primis panel

National Friendly's range of protection products are now available to advisers across the Primis Mortgage Network. Advisers within the Primis network will now have access...

Burnham’s property tax could hit mortgage lending, warns Maskells

A proposed proportional property tax backed by Andy Burnham could hit mortgage lending, tighten affordability and put downward pressure on house prices, according to...

Des Moore joins Suffolk BS as non-executive director 

Des Moore, former Cumberland Building Society chief executive officer, will join the Suffolk Building Society as a non-executive director on 1 September 2026. Moore brings with him nearly 40 years’ experience in retail and commercial banking, as former managing...

GB Bank cuts 65% LTV BTL rates by 0.30%

GB Bank has reduced its 65% LTV buy-to-let core range rates by an additional 0.30% across its two, three and five-year fixed rate products. The refreshed range now includes two-year fixed rates from 4.39% with a 5% fee or...

Together cuts fixed rates and expands criteria

Specialist lender Together has reduced rates across its fixed-rate product range and announced it will now accept the Scottish First Home Fund as a valid deposit source. The new fund was launched by the Scottish Government in June this...

Bank lending to smaller property investors falls 14%

The value of lending from UK-regulated banks to small and medium-sized property investment businesses has fallen by 14% over the past five years to £186bn, according to research from Karis Capital. The firm said buyers may need to look...

PROFILE

Claire Cherrington on the opportunities ahead for mortgage clubs

The mortgage club and compliance landscape is changing faster than at any point in recent memory. Consolidation is gathering pace, technology and artificial intelligence...

INDUSTRY COMMENT

How will H2 compare to the first six months of the year?

Last week marked the end of the first half of 2026, making it the perfect opportunity to reflect on what has been another eventful...

Innovation in the lifetime mortgage market riding high

Innovation in the lifetime mortgage market has created real value for customers – there’s no excuse to ignore it. When a UK borrower reaches 55,...

How small and medium-sized lenders can fix the origination headache

We are constantly told that to fix the mortgage journey, we need to rip everything out and start again. That unless a lender replaces its...

A new PM brings a new opportunity to rethink housing policy

Politics, as it seems to do in recent times, has moved at remarkable speed over the last couple of weeks. In what feels like...

New product launches bring renewed competition to protection market

The protection market has seen a flurry of product launches in recent weeks, with Beagle Street and Guardian bringing much needed change and innovation...

With great power comes great responsibility

There has been a huge amount in the press about the “feudal” system of leasehold and how the government’s revitalised commonhold will fix all...

Q&As

BUY-TO-LET

Average rental yields up annually despite quarterly dip

Average rental yields across England and Wales continued to rise year-on-year, although six out...

EXCLUSIVE: Quantum Mortgages expands cashback up to £20k

Quantum Mortgages, the specialist buy-to-let and bridging lender, has expanded its cashback range to...

Redwood Bank launches valuation fee cashback offer

The new valuation cashback offer gives landlords 100% of their valuation fee back on...

CHL Mortgages launches light refurbishment BTL range

The new range is aimed at landlords looking to carry out non-structural or modernisation...

LendInvest launches semi-commercial BTL lending products

LendInvest has launched a new semi-commercial proposition within its range of buy-to-let products. The lender’s...

Paragon Bank launches £1,000 cashback deal

Paragon Bank is offering £1,000 cashback across 21 products within its buy-to-let mortgage range. The...

The Mortgage Works cuts switcher rates for existing landlords

The Mortgage Works has reduced rates across selected buy-to-let and limited company buy-to-let switcher...

Industry leaders unite behind MIMHC Lunch

HSBC UK, Virgin Money, Nottingham Building Society, Landbay and top broker firms Mortgage Advice...

NEWSLETTER SIGNUP

FIRST-TIME BUYERS

Buyer demand falls 15% year-on-year

Political uncertainty and higher borrowing costs have led to a 15% year-on-year fall in buyer demand across the UK, according to Zoopla’s latest House Price Index. A change of Prime Minister and uncertainty ahead of the Autumn Budget have added to the slowdown, with sales...

Political clarity should benefit homebuyers

It’s been another positive week for the mortgage market, with lenders continuing to reduce...

Coventry for intermediaries cuts fixed rates across residential and buy-to-let range

Coventry for intermediaries has cut rates across its fixed mortgage range, with reductions available...

Nationwide cuts mortgage rates for third time this month

Nationwide Building Society has reduced mortgage rates by up to 0.25 percentage points across...

Gen H and Just Mortgages tool to help shared ownership borrowers move to full ownership

Just Mortgages and Gen H have introduced a new calculator designed to help shared...

OPINION

Build, baby, build? Well we will need to fund more than the usual suspects

There was a noticeable sense of optimism at UKREiiF this year. That may sound surprising given the economic headwinds of recent years, but the...

Don’t rein me in

For many years, major financial institutions and large retailers have understood the benefits of...

More questions now surround the home moving digital journey

The Ministry of Housing, Communities and Local Government (MHCLG) has published its highly anticipated...

Stability has value: why the latest Bank Base Rate hold matters

The Bank of England's decision to maintain Bank Base Rate (BBR) at 3.75% may not have generated the excitement that often accompanies a rate rise or cut, but it should certainly be viewed as a significant outcome and result. In fact, after a number of...

If you motivate an idiot you just get stupid things done quicker

There's a lot of excitement about artificial intelligence in the mortgage industry right now. Nearly nine in 10 mortgage brokers want technology to play...

DISTRIBUTION

AR market consolidates as revenues rise despite fewer principal firms

The UK's appointed representative market is becoming more concentrated, with fewer principal firms overseeing...

Fintel chair and TMG chief rescue Rotherham United Women

Rotherham United Women Football Club has been rescued from the brink of extinction after...

TRM Network promotes Amy Wilson to new propositions role

The Right Mortgage & Protection Network has promoted Amy Wilson to the newly created...

Nomo joins Paradigm panel to expand access to GCC property investors

Shariah-compliant property finance provider Nomo has joined the lender panel of Paradigm Mortgage Services,...

L&G Mortgage Club appoints key relationship manager

L&G Mortgage Club has appointed Gurpreet Chahal as key relationship manager to support broker partnerships and collaboration across the intermediary market. Chahal (pictured) will act as a senior contact for networks, clubs and key intermediary partners, with responsibility for managing and developing strategic relationships and...