House price growth slows as market uncertainty weighs on buyers

Annual UK house price growth eased to 1.8% in July as economic uncertainty and higher mortgage costs continued to restrain the market, Nationwide has reported. The building society's house price index showed that annual growth slowed from 2.2% in...

Latest news

Leeds lending falls amid technology investment

Leeds Building Society completed £2bn of gross mortgage lending during the first half of 2026, down 23.1% from £2.6bn during the corresponding period last...

Foundation revives buy-to-let products and cuts holiday let rates

Foundation Home Loans has refreshed its buy-to-let mortgage range, bringing back several products, adding a green HMO deal and reducing holiday let rates. The intermediary-only...

UK residential property transactions edge higher in June

UK residential property transactions rose modestly in June, suggesting that underlying market activity is beginning to strengthen despite continued economic and political uncertainty. HM Revenue...

Buyers turn to 1.5 million homes rejected by mainstream lenders

About 1.5 million homes across Britain may fall outside mainstream mortgage criteria, according to research from specialist lender Together. The properties, representing about 6% of...

Consumer Duty has changed culture but firms still face gaps

Consumer Duty has prompted a cultural shift across financial services, but standards continue to vary between firms three years after its introduction, according to Capco. Michael Shand, managing principal at the financial services and technology consultancy, said the regulation...

Homeowners delay energy upgrades amid confusion over EPC ratings

More than two-fifths of UK homeowners have delayed or are considering delaying energy-efficiency improvements, research from Uswitch suggests. A survey of 1,500 people found that 20% had already postponed improvements, while a further 23% were considering doing so. The findings...

Lengthy completions put mortgage offers under pressure

Homebuyers face an average five-month wait between agreeing a sale and completing, increasing the risk of mortgage offers expiring or borrowers’ circumstances changing before funds are released. Rightmove analysis found it takes 154 days on average to progress from...

Insured expats still face barriers to healthcare

More than half of insured expatriates have delayed or gone without necessary healthcare because of reimbursement concerns, treatment costs and confusion about overseas health systems, research has found. Some 93% of expatriates surveyed had health cover, but 53% had...

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

Mortgage maturity: A golden opportunity for advisers

Around 1.8 million fixed-rate mortgage deals are due to come to an end in 2026, adding to the 1.6 million mortgages that already matured...

Rates are moving and regulation is evolving

Many lenders are having to increase their rates, and that trend looks set to continue over the coming week. For clients whose current deal...

Building tomorrow’s mortgage market: AI built on trust, governance and confidence

The government's Financial Services AI Adoption Plan, led by Harriet Rees, group chief information officer at Starling Bank, and Dr Rohit Dhawan, group director...

The protection prompt: what AI still needs to get right

The Mills Review has prompted plenty of discussion across the mortgage industry. While much of the focus has been on the finding that a...

Why second charges are helping Right to Buy borrowers do more with their home

For many people, Right to Buy is still one of the most accessible ways to become a homeowner and over the last five years,...

The case for tech fluency before AI adoption in the mutual sector

It often feels like there is only one conversation taking place in financial services at the moment: artificial intelligence. Whether it’s trade shows and...

Q&As

BUY-TO-LET

Knowledge Bank adds six HMO criteria questions after broker clinic

Knowledge Bank is to add six criteria questions to its platform after mortgage brokers...

Two-thirds of landlords’ HMOs achieve EPC ratings of A to C

Two-thirds of houses in multiple occupation owned by landlords surveyed by Paragon Bank have...

HMRC nets £104m from landlord tax disclosures

HM Revenue & Customs recovered £104 million from voluntary landlord tax disclosures in 2025/26...

ModaMortgages removes application fees from limited-edition buy-to-let range

ModaMortgages has launched a limited-edition range of buy-to-let mortgages without application fees. The specialist lender...

Buckinghamshire BS cuts residential and specialist rates

Buckinghamshire Building Society has reduced mortgage rates across its residential and specialist lending ranges,...

Family BS launches broker Mortgage Hub

Family Building Society has launched an online mortgage application platform designed to give brokers...

Brilliant racks up a memorable afternoon for charity

Brilliant Solutions was on cue at Rileys as 70 players and several late arrivals...

Rayner rules out rent controls

Housing Secretary Angela Rayner has ruled out rent controls in England, providing greater certainty...

NEWSLETTER SIGNUP

FIRST-TIME BUYERS

First-time buyer and home mover demand holds up as mortgage applications fall

First-time buyers and home movers proved more resilient than remortgage borrowers during a weaker second quarter for the mortgage market, figures from HSBC UK show. MORTGAGE APPLICATIONS DECLINE The total number of mortgage applications fell by 19% between the first and second quarters of 2026. First-time...

No-deposit mortgages carry £73,000 London interest premium

London first-time buyers using a no-deposit mortgage could pay more than £73,000 in additional...

Mortgage rule review could widen options for non-traditional borrowers

Lenders could use greater flexibility in affordability assessments to develop mortgages for customers whose...

Final call for views on FCA mortgage reforms

The mortgage industry has until tomorrow to respond to Financial Conduct Authority proposals intended...

Just Mortgages and April launch 100% LTV mortgage with family support

Just Mortgages has expanded its first-time buyer range with a semi-exclusive joint borrower sole...

OPINION

Commonhold and RTM: do not mistake control for simplicity

Commonhold is presented as a fairer form of flat ownership. Right to Manage (RTM) is sometimes portrayed as a quick way for residents to...

No holidays: advice firms need a plan for a busy August

Every summer, the same quiet risk runs through the intermediary market. Advisers, case managers...

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,...

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 situation or what happens at the next Bank of England meeting. It's about who's coming through the door – and...

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,...

DISTRIBUTION

Lenders turn to live data as mortgage searches rise

Twenty7tec and Saffron Building Society have examined the growing use of real-time market intelligence...

Afin Bank joins Mortgage Advice Bureau lender panel

Afin Bank has joined Mortgage Advice Bureau’s lender panel, giving its advisers access to...

Exeter Leukaemia Fund wins £20,000 MAB grant

The Mortgage Advice Bureau Foundation has awarded its one-off £20,000 Extra Funding Grant to...

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...

Molo strengthens leadership team with chief operations officer appointment

Molo has appointed Lynne French as chief operations officer as the specialist mortgage lender looks to support continued growth and expand its intermediary distribution capability. French (pictured) joins Molo from Chetwood Bank, where she was director of secured lending operations and oversaw the lender's CHL...