Just one in seven homes records five years of growth

Fewer than one in seven UK homes increased in value during every year of the past five years as higher mortgage rates placed greater pressure on more expensive housing markets, according to Zoopla. The property portal found that 14%...

Latest news

House price rise puts mortgage resilience in sharper focus

Homebuyers should consider how they would meet mortgage payments if illness or injury affected their income, Royal London has said. UK house prices rose by...

Simplify’s trust gives £22,500 to nine local charities

The Simplify Charitable Trust has donated £22,500 to nine charities working in communities across the UK. Airedale Baby and Children’s Bank, Bodie Hodges Foundation, Cynthia...

Landlords turn to portfolio refinancing to fund expansion

More than three-quarters of landlords are considering refinancing their existing portfolios to fund further property investment, according to research from specialist lender Together. The lender...

LiveMore launches mortgage for homes with spray foam insulation

LiveMore has launched a mortgage designed for homeowners whose properties have become difficult to finance because of spray foam insulation. The specialist lender said the...

House price growth slows to 2.7%

Annual UK house price growth slowed to 2.7% in May, down from 3.9% in April, latest data from the Office for National Statistics reveals. The average UK property was valued at £271,000, with the latest figures remaining provisional and...

Home improvements remain leading reason for equity release

Home adaptations and improvements remained the most common reason for taking out a lifetime mortgage in the first half of 2026, Canada Life data shows. The retirement provider said 43% of prospective home finance customers cited adaptations or improvements...

TMG launches consumer advice business

TMG Mortgage Network has launched a consumer-facing business offering mortgage, protection and later life lending advice. TMG Financial Services will operate alongside the Rotherham-based network, giving consumers direct access to advisers working under its compliance framework. The business will handle...

Bridging Soup launches major market research initiative

Bridging Soup has launched a new research initiative to build a clearer picture of how the UK bridging finance market is changing and what brokers and property professionals now need from lenders. The survey explores experiences and expectations across...

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

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...

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...

Q&As

BUY-TO-LET

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...

LendInvest posts record £1.44bn lending year

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

Fleet Mortgages broadens buy-to-let criteria for foreign nationals and limited companies

Fleet Mortgages has widened its lending criteria for buy-to-let borrowers, introducing greater flexibility for...

Buy-to-let lending remains ahead of last year despite slower start to year

Buy-to-let lending increased in the first quarter of 2026 compared with a year earlier,...

UTB streamlines buy-to-let mortgage process with broker-focused operational changes

United Trust Bank has introduced a series of operational enhancements to its buy-to-let mortgage...

Landbay launches telephone sales team to support broker applications

Landbay has launched a dedicated telephone sales team to provide additional support to brokers...

Nearly one in five private rented homes have left the sector in the past decade

Almost 850,000 homes that were once part of the UK's private rented sector have...

NEWSLETTER SIGNUP

FIRST-TIME BUYERS

World Cup, heatwaves and politics cool housing market

Political uncertainty, higher mortgage rates and a summer dominated by holidays, heatwaves and the World Cup have combined to cool housing market activity, with sellers cutting asking prices more sharply than normal to attract buyers. The latest Rightmove House Price Index shows the average asking...

Sprive urges first-time buyers to plan ahead as Leeds launches 2% deposit mortgage

Sprive has welcomed Leeds Building Society's new 98% loan-to-value mortgage but says borrowers should...

Leeds launches 98% LTV mortgage aimed at widening access for first-time buyers

Leeds Building Society has introduced a new 98% loan-to-value mortgage designed to help more...

Gen H highlights interest-only option for first-time buyers with variable incomes

A London couple working in hospitality used a part repayment, part interest-only mortgage to...

Six-times salary lending quadruples as lenders loosen affordability

The number of mortgage lenders willing to offer loans worth six times a borrower's...

OPINION

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 crisis, the Covid pandemic, the Liz Truss mini-Budget and cost-of-living...

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...

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 more a coronation. When your greatest obstacle is finding 81 MPs prepared to nominate an alternative, democracy starts resembling a...

Approvals hit a 2.5-year low: When broker value gets proven – or missed

Net mortgage approvals dropped to 56,200 in May – the lowest since December 2023 - down from 66,000 the month before. Net borrowing fell from...

DISTRIBUTION

Molo strengthens leadership team with chief operations officer appointment

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

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...

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...

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...

Brilliant Solutions partners with Box Socials

Brilliant Solutions has partnered with Box Socials to give its members discounted access to the specialist social media platform for mortgage, protection and financial advisers. The partnership will provide exclusive pricing on Box Socials' annual subscription plans, helping advisers create, manage and schedule social media...