Landbay adds 70% LTV Premier products and cuts small HMO rates

Landbay has added eight five-year fixed-rate products at 70% loan-to-value to its Premier range and cut rates across selected small HMO products. The buy-to-let lender said the new products are aimed at landlords seeking lower loan-to-value options within its...

Latest news

UTB completes £125k second charge loan in two days

United Trust Bank has completed a £125,000 second charge loan from application to completion in two days. The debt consolidation case was submitted on April...

BM Solutions streamlines refinancing with combined application for landlords

BM Solutions is launching a single application process, allowing brokers to handle product transfers and further advances simultaneously for existing landlord clients. From Friday 24...

Nivo to launch broker roundtable series in Manchester

Nivo is launching a series of private broker roundtables, beginning with a lunch at The Ivy Asia in Manchester on Friday 1 May. The events...

Landlords move to sell portfolios before Renters’ Rights Act takes effect

Law firm Thackray Williams has reported a wave of instructions from landlords looking to sell buy-to-let portfolios ahead of the Renters’ Rights Act 2025...

Gen H widens Scottish broker access after MAB pilot

Gen H has opened its Scottish distribution to all brokers on its panel, following an exclusive pilot with Mortgage Advice Bureau in February. The expansion gives Scottish brokers on the lender’s panel access to Gen H’s income booster mortgage,...

Homebuying delays deter two thirds from moving again, OPDA says

Two thirds of recent home movers say the experience of buying or selling a home has put them off moving again, according to research from the Open Property Data Association (OPDA). The OPDA said 66% of recent movers were...

Knight Frank cuts 2026 forecast as conflict hits sentiment and rates

Knight Frank, the London-headquartered global property consultancy and estate agent, has downgraded its near-term UK house price forecast as rising mortgage rates and geopolitical uncertainty weigh on the market. In its latest UK Housing Market Forecast (Q2 2026), the agency...

Mortgage mental health walk hits capacity as 72 sign up

The Mortgage Industry Mental Health Charter has confirmed its 2026 Walk and Talk event is now fully booked with 72 participants drawn from across the mortgage and specialist finance market. The six-day initiative, which takes place along the Grand Union Canal, brings...

PROFILE

Kevin Tunnicliffe on ending the race to the bottom

This was always going to be a tricky interview. I’ve known Kevin Tunnicliffe, chief executive officer of Sort Group, which includes Sort Refer, for...

INDUSTRY COMMENT

Portfolio landlords reshape buy-to-let market

Portfolio landlords are becoming increasingly central to the buy-to-let market as investors take a more structured approach to property ownership. The market has seen a...

Supporting complex cases in a modern mortgage market

In today’s diverse mortgage landscape, brokers are working with a growing number of clients whose circumstances fall outside traditional lending models. From self-employed professionals...

Busting the myths that stop homeowners protecting their income

In my role at LifeSearch, I spend a lot of time talking to mortgage advisers, brokers, and, increasingly, customers directly. One thing comes up time...

The 4.3 million borrowers your pipeline is probably missing

There are 4.3 million self-employed workers in the UK and nearly one in five self-employed workers plans to buy a property in the next...

Stop tinkering: Why mortgage tech needs a proper overhaul

Let’s be honest. If you work in the UK mortgage market right now, you know we’re all running pretty fast just to stand still. Between...

This is a different mortgage market and borrowers are reacting to it

It is important to be clear about what has changed in the mortgage market over the last month or so, because the latest data-specific...

Q&As

BUY-TO-LET

CHL completes £5m portfolio refinance as lender navigates time-sensitive case

CHL Mortgages has completed a £5 million refinance across 10 buy-to-let properties in south...

Landbay turns to broker education as Renters’ Rights Act reforms approach

Landbay is set to host a broker-focused webinar examining the implications of the Renters’...

Fleet cuts five-year buy-to-let fixes and widens 75% LTV options

Fleet Mortgages has cut pricing on selected five-year fixed buy-to-let products and expanded its...

HSBC UK cuts mortgage rates by up to 25bps across residential and buy-to-let range

HSBC UK has reduced mortgage rates across parts of its residential and buy-to-let range,...

GB Bank joins Knowledge Bank criteria platform

GB Bank has been added to Knowledge Bank’s criteria sourcing platform, giving brokers access...

The Mortgage Works cuts buy-to-let rates on selected new business deals

The Mortgage Works is cutting selected buy-to-let and let-to-buy rates by up to 0.20...

Virgin Money cuts fixed rates and raises selected tracker pricing

Virgin Money is reducing fixed mortgage rates across purchase, remortgage and selected buy-to-let product...

Rent growth slows as house prices edge higher, with Middle East tensions clouding outlook

Private rent inflation eased again in March while UK house prices rose modestly in...

MORTGAGE MINGLE PODCAST

NEWSLETTER SIGNUP

FIRST-TIME BUYERS

Stamp Duty receipts rise as lower threshold pulls more buyers into tax net

Homebuyers paid £15.2bn in Stamp Duty Land Tax in 2025-26, up 9.2% on the previous tax year, as the nil-rate threshold reverted to £125,000. Analysis by Coventry Building Society of HMRC figures found buyers paid £1.3bn more in Stamp Duty Land Tax than in 2024-25,...

Santander cuts higher LTV rates for first-time buyers and home movers

Santander is cutting selected fixed mortgage rates across its first-time buyer, home mover and...

Brokers report rising caution among borrowers as remortgaging picks up

Mortgage brokers are seeing more remortgage activity, but say geopolitical uncertainty, cost of living...

MAB research shows confidence among buyers is rising, but many still hesitate

More than half of prospective buyers say they are ready to purchase in 2026,...

Atom points to growing near-prime hurdle for first-time buyers

First-time buyers with thin credit files or minor historic credit issues are becoming a...

OPINION

The rise of larger deposits

The first-time buyer profile is changing. Increasingly, buyers are entering the market with larger deposits than at any point in recent years as many...

Is life insurance too confusing to buy?

While there are peaks and troughs depending on where we look, the UK life...

Why the government’s housing ambitions won’t fix the affordability crisis

With the bidding open for the government’s £39bn Social and Affordable Homes Programme -...

Beyond the Robo-Adviser: why the future of mortgages is ‘Human Plus’

The fintech industry is obsessing over a binary choice: the traditional human broker or the fully automated 'robo-adviser'. But as we navigate the complexities of the 2026 mortgage market, it has become clear that the real winner isn’t a machine, it’s the Augmented Broker. According...

Ceasefire boosts sentiment more than mortgage market

What goes up must come down, but for mortgage rates the drop will be notably more gradual than the sharp increase triggered by the...

DISTRIBUTION

Russell Quirk calls out broken transaction system

UK mortgage and property professionals have been urged to rethink the homebuying process after Russell...

Richard Goppy to rejoin PMS as director of acquisition and key accounts

PMS Mortgage Club has confirmed the appointment of Richard Goppy as director of acquisition...

Norton Broker Services adds Scroll Finance to lending panel

Norton Broker Services has added Scroll Finance to its lender panel, giving brokers access...

Paradigm hires Nick Delawa as business development director for London and South east

Paradigm Mortgage Services has appointed Nick Delawa as business development director, with responsibility for...

Recognise Bank hire to lead intermediary sales and lending

Recognise Bank has appointed Luke Watson as director of intermediary sales and lending to drive its broker-facing proposition. Watson (pictured) joins with more than 20 years’ experience across commercial real estate lending, underwriting and credit risk, and has worked across commercial investment, bridging and buy-to-let...