Terry Blackburn on building a community for mortgage brokers

At 19, Terry Blackburn was knocking on doors trying to sell life insurance to strangers. He’d previously worked as a builder and candidly admits he just couldn’t build. He had no qualifications to speak of and no background...

Latest news

Broker confidence holds firm as market sentiment dips

Mortgage advisers ended 2025 increasingly confident in their own businesses even as sentiment towards the wider mortgage market softened, latest data from Intermediary Mortgage...

Conveyancing strain grows as volumes rise

Conveyancing volumes rose at the end of 2025 easing fears of another market dip but increasing pressure on legal firms handling mortgage completions. Research from...

Limited company buy-to-let purchases hit record 43%

Limited company landlords accounted for a record 43% of mortgaged buy-to-let house purchases in 2025, up from 35% in 2024 and just 7.5% in...

CA warns SDLT shake-up risks delays and higher costs

The Conveyancing Association has criticised HMRC’s proposed changes to Stamp Duty Land Tax (SDLT) rules warning that requiring conveyancing firms to register as ‘tax...

Afin Bank strengthens sales team with senior BDM hire

Afin Bank has added to its salesforce with the appointment of Stuart Benge as senior business development manager, bringing more than 30 years’ experience in residential and commercial finance to the role. Benge (pictured) spent 20 years at Norwich...

Finova underpins Offa’s move into Sharia-compliant residential finance

Finova has supported the launch of Offa’s new Sharia-compliant Home Purchase Plan, extending the lender’s technology partnership beyond buy-to-let into the residential market. The cloud-based savings and originations technology provider has powered the introduction of Offa’s residential Home Purchase...

Mortgage borrowing dips as approvals ease

Mortgage borrowing slowed at the start of the year with approvals for house purchases falling back and net lending dipping below its recent trend. Figures published by the Bank of England show net borrowing of mortgage debt fell to...

National Friendly promotes John Fotheringham to head of underwriting

National Friendly has promoted its technical lead underwriter John Fotheringham to head of underwriting, as the mutual prepares to expand into new underwritten markets this year. The appointment follows six years at the Society for Fotheringham, during which time...

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

Housing supply pressures underline the value of a balanced market

The latest figures from the Home Builders Federation make somewhat uncomfortable reading, particularly if you’re a Government which has placed a significant ‘bet’ on...

Spring Statement must tackle planning, regeneration and skills

With many reports suggesting that next week’s Spring Statement will deliver little in the way of new policy and instead focus largely on updated...

Jonny Palmer: Taking on the world’s toughest foot race

On 3 April I’ll be attempting what is considered the toughest foot race on earth: Marathon Des Sables Legendary. When I type that into a...

Technology: from transformation to stewardship

For most of the modern history of UK mortgage lending, stability has not simply been a preference – it has been a necessity. Boards have...

The continued evolution of the later life lending market

Later life lending has moved well beyond being an occasional enquiry about equity release or a maturing interest-only case. It is now a consistent and...

What does the year hold for specialist first charge residential mortgages?

A few months into 2026, it is already clear that many borrowers continue to fall outside the criteria set by high street and mainstream...

Q&As

BUY-TO-LET

Why straightforward buy-to-let cases are becoming increasingly rare

The idea of a truly straightforward buy-to-let case now feels increasingly distant. As portfolios...

Landlords alert to renters’ reforms but most unclear on practical impact

Research by Paragon Bank, based on responses from more than 500 landlords, suggests that...

Fleet cuts remortgage rates and broadens EPC-linked range

Fleet Mortgages has expanded its two-year fixed-rate range for more energy-efficient rental properties while...

Brighton rent surge sharpens buy-to-let focus

A 15% surge in Brighton rents during 2025 is likely to sharpen broker focus...

The Mortgage Works cuts limited company buy-to-let rates by up to 20bps

The Mortgage Works is reducing rates by up to 20 basis points (bps) on...

Accord cuts residential pricing at lower LTVs and reduces selected BTL rates

Accord Mortgages is reducing rates across parts of its residential and buy-to-let ranges, with...

Landbay cuts buy-to-let rates by up to 20bps across full range

Landbay has announced a fresh round of pricing cuts across its buy-to-let proposition, reducing...

Intermediaries arrange £33bn for SMEs

Broker-originated SME lending climbed to £33bn in 2025, up 25% year-on-year, according to the...

MORTGAGE MINGLE PODCAST

NEWSLETTER SIGNUP

FIRST-TIME BUYERS

Saffron broadens FTB access and adds 5yr fix for lending into retirement

Saffron for Intermediaries has expanded first-time buyer eligibility across its owner occupied range and introduced a new five-year fixed-rate product within its lending into retirement proposition. The mutual said the changes are designed to reflect increasingly complex borrowing profiles and to respond to broker feedback...

Manchester dominates first-time buyer lending as Worcester surges

Manchester has become Britain’s most first-time buyer-heavy mortgage market outside London with seven in...

Buyers gain edge as listings rise

February is on track to record the highest number of new property listings for...

Average mortgage LTV drops to 59% as housing equity swells by £677bn

The average loan-to-value ratio on mortgaged properties across the UK now stands at 59%,...

Gen H extends New Build Boost scheme with Lovell Homes partnership

Gen H has widened its New Build Boost mortgage scheme through a new partnership...

OPINION

A turning point for British Islamic home finance

A quick question for brokers: what would you do if 80% of a fast-growing community told you the market was not serving them properly? That...

Mutual sector ambition needs tech-driven scale

The Government’s commitment to doubling the size of the mutual sector has been welcomed...

Conveyancing fees will rise and you can blame the Government

Tax is complicated and making sure you pay the right amount can be challenging...

The conveyancing power of sales-ready packs

Conveyancing is stressful – and I'm not just talking about the poor customer experience. From a turnaround time of around eight weeks back in the '70s when I first started in conveyancing it is now longer than it ever has been – typically around...

Cloud is not about where you host technology, it’s about how

When lenders talk about cloud, the discussion often begins – quite reasonably – with control. Where will the data sit? How will resilience be...

DISTRIBUTION

MAB hosts strategic lender Summit at Century Club 

Leading figures from the UK mortgage lending community gathered last night at the exclusive...

Raw Capital Partners joins L&G Mortgage Club panel

Raw Capital Partners has joined the panel of Legal & General’s Mortgage Club, enabling...

Jupp: Brightstar will keep pushing specialist lending boundaries

Brightstar Group chief executive Rob Jupp has pledged to keep “pushing” the specialist lending...

Loan.co.uk hires Michelle Westley to drive intermediary growth

Loan.co.uk has appointed Michelle Westley as head of partnership marketing as the specialist lender...

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 firms within its network to support cases that fall outside mainstream lending criteria. The proposition is positioned as an additional route to market for advisers handling complex, non-standard or specialist applications,...