FCA moves to simplify UK securitisation regime in joint reform with PRA

The Financial Conduct Authority (FCA) has published Consultation Paper CP26/6, setting out proposed changes to the UK’s securitisation rules, including reforms to due diligence and transparency requirements. The regulator said it has worked closely with the Prudential Regulation Authority...

Latest news

Chetwood Bank hires Simon Parish as south east business development manager

Chetwood Bank has appointed Simon Parish as business development manager for the South East, strengthening its intermediary sales presence across the region. Parish (pictured) joins...

Finova strengthens leadership team with chief delivery officer appointment

Finova has appointed Anja Schneider as chief delivery officer as the cloud-based mortgage and savings software provider looks to sharpen execution and support its...

Quantum Mortgages addresses southern coverage with new hire

Quantum Mortgages has appointed Hayley Jones as business development manager for the South as it prepares to enter the specialist residential market. The Bletchley-based specialist...

Mortgage Brain warns brokers over AI and password risks

Mortgage brokers are being urged to tighten up their data security practices with warnings against emailing sensitive documents, reusing passwords and pasting client information...

Interbridge Mortgages turns to former Sainsbury’s Bank chief as new chair

Interbridge Mortgages has appointed Peter Griffiths OBE as chair, adding a senior industry figure to its board as it looks to support its next phase of growth. The second charge lender said the appointment strengthens its governance and leadership...

Landbay adds five-year fixed cashback deals to Premier remortgage line-up

Landbay has introduced five five-year fixed-rate remortgage products within its Premier buy-to-let range, each offering £500 cashback and a free valuation. The specialist buy-to-let lender confirmed the new products are available up to 75% LTV and are all priced...

Keystone’s latest rate reductions extend across new and existing business

Keystone Property Finance has introduced a further round of rate cuts across its new business and product transfer ranges, just days after announcing reductions on the same products. The specialist buy-to-let lender has reduced rates by 5 basis points...

RAW Capital Partners promotes three as lender broadens its UK reach

Guernsey-based specialist lender RAW Capital Partners has promoted three members of staff across its operations and finance teams as it continues to expand its mortgage proposition. The business, which has 10 years’ experience providing bespoke mortgages to foreign nationals,...

PROFILE

Michael Day on why conditional selling remains an industry flashpoint

Conditional selling remains one of the most persistent and contentious issues facing the UK housing and mortgage markets with brokers continuing to report pressure...

INDUSTRY COMMENT

AI, mortgages and the human need we can’t ignore

There is lots of talk about technology with cloud-native and artificial intelligence just some of the buzzwords of today’s dinner parties and conferences. There is...

PMI – an advice gap not to be ignored

The latest figures from the ABI show insurers processed a record £4 billion in individual and workplace private medical insurance (PMI) claims in 2024,...

The self-employed boom and why traditional life cover won’t cut it

There’s a shift happening in how people work and how they buy homes - especially for the self-employed and gig economy worker. Flexibility, autonomy and...

First-time buyers and buy-to-let are not rivals

As we move further into 2026, a familiar narrative is starting to reappear. It suggests that a stronger first-time buyer market will be delivered...

Working up those income streams

Some might say the UK labour market has lost some of its confidence. Unemployment is rising, job moves have slowed, and many employers are...

Ignore the Gen Z worker stereotypes – the future is bright

The office fridge. Full of 12 types of milk, none derived from cows, and four on the work top, at room temperature. As for...

Q&As

BUY-TO-LET

Record surge in buy-to-let companies as landlords pivot

A record 66,587 buy-to-let limited companies were incorporated in 2025 due to more landlords...

North West leads HMO market share as yields edge below 10%

The North West has the highest proportion of HMOs in the UK at 17.9%,...

ModaMortgages lowers two-year limited edition rates by up to 20bps

ModaMortgages has cut selected two-year fixed rate limited edition products by up to 20...

Court delays stretch to 27 weeks as Section 21 exit looms

Landlords are facing the longest court delays in more than two decades despite a...

Law Society urges court funding boost before Section 21 ban

The Law Society of England and Wales has called on the Government to increase...

Furness expands 95% lending to complex borrowers

Furness Building Society has launched the first phase of a mortgage transformation programme, widening...

Mortgage arrears and possessions fell again in Q4

Mortgage arrears and possessions both declined in the final three months of 2025, with...

The Suffolk cuts buy-to-let rates by up to 26bps

Suffolk Building Society has reduced a range of 80% LTV buy-to-let fixed rates by...

MORTGAGE MINGLE PODCAST

NEWSLETTER SIGNUP

FIRST-TIME BUYERS

House prices pause after strongest January start since 2020

Asking prices for newly listed homes were effectively flat in February, edging down by £12 to £368,019, as the market took stock following January’s unusually strong start to the year. The subdued monthly movement contrasts with the typical 0.8% rise seen in February over the...

Santander lowers higher LTV rates for FTBs with 95% 5-year fix at 4.72%

Santander will cut rates by up to 0.32% across its 85%-95% LTV first-time buyer...

First-time buyer solo females outpace couples

More women are planning to step onto the property ladder alone rather than with...

Tembo secures £16m to expand digital savings and mortgage platform for first-time buyers

Tembo has raised £16m in growth funding as it looks to scale its savings...

Nationwide reduces fixed rates by up to 0.16%

Nationwide is reducing selected two-year, three-year and five-year fixed mortgage rates by as much...

OPINION

Reframe Cancer 2026 trends: prevention to take centre stage

This year is already shaping up to be one when prevention is taking centre stage. The Government recently announced the expansion of its WorkWell...

The mortgage protection gap advisers can’t ignore

The Financial Conduct Authority’s (FCA) consumer research findings published late last year, offered an...

Cashback, remortgages and adviser opportunity in 2026

A recent flood of mortgage products into the market offering cashback prove it has...

Autonomous AI is waiting for us

The UK rightly prides itself on having one of the most respected financial services sectors in the world but even strong markets benefit from looking outwards. At Ohpen, we’ve been working strategically in both the Dutch and UK markets with our partners at Cognizant to...

TOM BILL: Rate cut expectations fade amid mixed signals

Borrowing costs have risen in recent weeks for reasons that include stronger-than-expected UK economic data and tempering the outlook for cheaper mortgages. However, an uncertain...

DISTRIBUTION

Molo adds to South East presence with BDM hire

Molo has appointed Steven Griffiths as business development manager for south-east England. The lender, which...

Brightstar Group marks 15 years with £10bn in specialist lending and plans for 20% annual growth

Brightstar Group has marked its 15th year of trading by reporting more than £10bn...

The Right Mortgage introduces in-house packager service for complex cases

The Right Mortgage has launched The Right Packager, a new service available to advisory...

CIExpert adds Royal London to income protection insight zone

Royal London has become the latest insurer to join CIExpert’s Income Protection Insight Zone,...

Gen H expands into Scotland with affordability-led income booster

Residential mortgage lender Gen H has launched in Scotland, extending its lending proposition north of the border with a focus on boosting borrowing power for first-time buyers. The lender’s entry into the Scottish market includes its income booster proposition, which allows borrowers to add a...