Q&A: Sam Lindsay, My Mortgage Angel

Mortgage Soup fires the questions at Sam Lindsay, mortgage adviser at My Mortgage Angel. Mortgage Soup (MS): You're celebrating 10 years in the mortgage industry. Looking back, what have been the biggest changes in the mortgage and lending landscape...

Latest news

Bank of Ireland expands JBSP mortgage criteria

Bank of Ireland for Intermediaries has widened its Joint Borrower Sole Proprietor (JBSP) mortgage proposition, extending eligibility to remortgage customers and increasing the maximum...

Try Financial links with The Insurance Surgery to support complex protection cases

Try Financial has formed a partnership with specialist protection adviser The Insurance Surgery to help customers with complex insurance needs access tailored advice through...

VouchedFor unveils enhanced membership as advisers adapt to AI-led search

VouchedFor has launched Verified+, a new membership tier aimed at helping financial advisers improve their online visibility as consumers increasingly use AI alongside traditional...

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 of staff Monday off if England beat Argentina to reach...

Swansea BS awards £2,000 to Llys Nini from anniversary charity fund

Swansea Building Society has donated £2,000 to animal welfare charity Llys Nini as part of a £25,000 charitable fund established to mark chief executive Alun Williams' 25 years leading the mutual. The donation follows a recent staff volunteering day...

LSL Financial Services appoints interim managing director

LSL Financial Services has appointed Piotr Nowosad as interim managing director to lead its Financial Services Division while the group searches for a permanent successor. Nowosad (pictured) takes responsibility for Primis, TMA Mortgage Club, Novium and Linear, joining the...

Mortgage demand slows in second quarter as higher rates hit affordability

Higher borrowing costs weighed on mortgage demand during the second quarter, although Stonebridge says the outlook for the second half of the year remains more positive if inflation pressures ease. Mortgage applications fell during the second quarter as higher...

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...

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 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...

Uncertainty means greater need for client conversations

Last week showed just how quickly events on the other side of the world can find their way into our industry, with swap rates...

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 on improving the homebuying and selling process. The Government's plans to...

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...

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...

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...

Q&As

BUY-TO-LET

Knowledge Bank teams up with Brilliant Solutions for specialist lending cases

Knowledge Bank has formed a partnership with specialist mortgage packager Brilliant Solutions as demand...

Swap rates fall but funding risks remain, warns Moneyfacts

In a week that saw more than 20 lenders reduce their fixed mortgage rates,...

Paragon launches two-year BBR trackers

Paragon Bank has introduced new two-year Bank Base Rate (BBR) trackers to its buy-to-let...

Mortgage searches return to growth in June

Mortgage search activity strengthened during June, according to the latest Mortgage Market Snapshot from...

North/South rental yield gap narrows

The gap between rental yields in the North and South of England has narrowed...

Landbay cuts rates again

Buy-to-let lender, Landbay, has announced a further round of rate cuts - up to...

Molo reduces BTL rates for UK residents by 10bps

Specialist lender Molo has reduced rates by 10 basis-points (bps) across its UK resident...

Foundation reduces BTL rates by up to 0.25%

Foundation, the intermediary-only specialist lender, has reduced rates across its buy-to-let range by up...

NEWSLETTER SIGNUP

FIRST-TIME BUYERS

West Brom reduces rates by up to 0.18%

West Brom Building Society has reduced rates across its two-year fixed purchase mortgage range, with cuts of up to 0.18%. The latest changes apply across all two-year purchase products for both first-time buyers and home movers. At 95% LTV, the West Brom has reduced its two-year...

Borrowers shift back to 2-year fixes as rate hopes grow

Mortgage borrowers are increasingly opting for 2-year fixed-rate deals as expectations build that mortgage...

Cambridge BS opens up 98% LTV to all brokers

The Cambridge Building Society is making its 98% LTV first-time-buyer product available to all...

Brokers hesitant to recommend interest-only for FTBs, says Gen H

Nearly half of the UK’s top 100 first-time buyer brokerages wrote no interest-only business...

Together cuts fixed rates and expands criteria

Specialist lender Together has reduced rates across its fixed-rate product range and announced it...

OPINION

Removing friction from the homebuying journey

One thing I keep hearing from our advisers is how much more work each case now generates, largely because so much of it involves...

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...

Innovation in the lifetime mortgage market riding high

Innovation in the lifetime mortgage market has created real value for customers – there’s...

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 entire core banking system, it will never be able to offer brokers the speed and visibility they actually want. It is...

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...

DISTRIBUTION

Atom Bank makes third prime rate cut in a month

Atom bank has made further rate reductions across its entire prime mortgage range, alongside...

GB Bank appoints Asim Shirwani to lead new bridging team

GB Bank has appointed Asim Shirwani as head of bridging to lead a new...

Stonebridge releases 2026 Regional Roadshow dates

Stonebridge has released its 2026 Regional Roadshow dates and revealed where it will be...

UTB cuts rates by 1% and launches 95% LTV

United Trust Bank (UTB) Mortgages has reduced rates by up to 1% and launched...

Nationwide appoints Kim Dickinson as intermediary product manager

Nationwide has appointed Kim Dickinson as lead product manager for intermediaries. Dickinson brings a wealth of experience in the mortgage market and working with intermediaries, having previously spent the last 10 years at Virgin Money and Clydesdale, managing relationships with hundreds of brokers. Nationwide said she...