Beyond the Robo-Adviser: why the future of mortgages is ‘Human Plus’

The fintech industry is obsessing over a binary choice: the traditional human broker or the fully automated 'robo-adviser'. But as we navigate the complexities of the 2026 mortgage market, it has become clear that the real winner isn’t...

Latest news

Skipton to cut residential rates and revive three-year fixes

Skipton Building Society is cutting rates across parts of its residential mortgage range from 9am on Monday 13 April, while also bringing back mid-fee...

The Leek lowers mortgage rates across residential and specialist products

Leek Building Society is cutting mortgage rates across parts of its residential, shared ownership, holiday let and limited company buy-to-let range from Monday 13...

Fleet Mortgages adds two-year tracker products to buy-to-let range

Fleet Mortgages has launched three new two-year tracker mortgages at 75% loan-to-value across its standard, limited company and HMO and multi-unit freehold block buy-to-let...

Norton Home Loans provides remortgage on PRC home in Southampton

Norton Home Loans has completed a £218,000 remortgage for joint applicants in Southampton, allowing them to consolidate debt and raise funds for renovation works...

Scotland attracts rising interest from GCC property buyers

Scotland is becoming an increasingly popular destination for Gulf buyers looking at UK property, according to new search data published by Nomo. The Sharia’a-compliant digital bank said its latest Property Pulse report, based on Rightmove search data, showed Scotland...

Vida broadens mortgage range with new higher LTV tier and lower rates

Vida has expanded its mortgage range with rate cuts of up to 0.72%, alongside new Fee Saver and Cashback products. The specialist lender said the changes include reductions across its range of up to 0.72%, as well as the...

Paragon expands landlord offering with limited edition five-year fixes

Paragon Bank has launched a new range of limited edition five-year fixed-rate buy-to-let mortgages and brought back an 80% loan-to-value option as lenders continue to refine their landlord propositions. The specialist lender has introduced six limited edition five-year fixed...

Zero-deposit mortgage sales reach five-year high as affordability pressures persist

The number of zero-deposit mortgage sales reached 574 in the first three quarters of 2025, according to Financial Conduct Authority data obtained via a Freedom of Information request by Compare the Market. This marks a sharp recovery from the...

PROFILE

Profile: Andrew Lloyd, CEO of Fignum

Andrew Lloyd is the Chief Executive Officer (CEO) of Fignum. He was appointed to the role in October 2024 to lead the business, which...

INDUSTRY COMMENT

A surge today, but what comes next for advisers and conveyancing?

March has provided a very clear example of how quickly this market can move when lenders feel the need to take action, with widespread...

Technology adapts so you don’t have to

20 years ago, many brokerages looked and operated in very similar ways. Typically small, local business, many firms focused solely on standard residential mortgage...

Rental barometer shows strength, but March changes the tone

Looking at our recently published Q1 2026 Rental Barometer data in isolation, there is clearly a strong and positive story to tell. Average rental...

Home and away: How appetite for UK property is rising

Conflicts in Ukraine and now the Middle East are a reminder that the catastrophic impact of war is not confined to war zones.   The...

Mutual strength and the broker partnership

The mutual sector has always been associated with community purpose, local branches and a member-first approach that feels a little different to the wider...

First-time, accidental or professional? How the landlord profile is shifting in 2026

One of the most common misconceptions that people have about the buy-to-let market is that landlords are a single, uniform group. The reality is...

Q&As

BUY-TO-LET

Redwood refinance supports Birmingham landlord’s supported housing expansion

Redwood Bank has completed an £847,500 refinancing deal for a Birmingham landlord, releasing equity...

HTB launches ‘Flow’ range with rates from 5.54%

Hampshire Trust Bank has introduced ‘Flow’ - a new buy-to-let tier with rates starting...

Fleet strengthens intermediary sales structure

Fleet Mortgages has promoted two senior business development managers into newly created regional leadership...

1.3 million households facing mortgage cost shock

Around 1.3 million additional UK households are now exposed to higher mortgage costs following...

Coventry trims first-time buyer and limited company buy-to-let rates

Coventry for intermediaries has cut selected mortgage rates for first-time buyers and limited company...

Rental yields rise across England and Wales as buy-to-let market enters more volatile period

Rental yields increased annually in every region of England and Wales in the first...

Keystone restores fixed rate buy-to-let products as market stabilises

Keystone Property Finance has brought back fixed rate options across its buy-to-let range, widening...

Lendlord launches tool to help landlords evidence Renters’ Rights Act compliance

Lendlord has launched a compliance tool aimed at helping landlords evidence service of the...

MORTGAGE MINGLE PODCAST

NEWSLETTER SIGNUP

FIRST-TIME BUYERS

Halifax says house prices slipped in March as market lost early spring momentum

UK house prices fell in March and annual growth slowed, with Halifax saying geopolitical uncertainty and higher mortgage pricing have taken some of the heat out of the market at the start of spring. Halifax said average house prices fell by 0.5% in March, reversing...

First-time buyer demand picks up in early 2026 despite limited supply

First-time buyer demand increased in the first quarter of 2026, according to research from...

Mortgage rates surge and product choice shrinks as Iran conflict jolts market

New data from Moneyfacts shows the impact of the Iran conflict has been both...

First-time buyers face greatest risk as mortgage turmoil grips market

First-time buyers are the most exposed group in the housing market as mortgage withdrawals...

LISA payouts near £140m as industry warns against disrupting first-time buyer support

The Lifetime ISA delivered almost £140m in government bonuses last year, as industry figures...

OPINION

Complexity is rising and broker enablement has never mattered more

 For many years, success in the mortgage market was built off efficiency. If a broker understood the mainstream lending landscape, packaged cases well and kept...

Industry pushes to build next generation of home valuers

According to RICS, the average qualified surveyor is in their mid-fifties. Couple this with...

Supply side continues to drive the change agenda

Regulatory change is no longer something firms respond to periodically. It is now a...

Searching for sunny uplands

There is a growing sense, shared quietly in boardrooms and rather less quietly over kitchen tables, that the UK has lost a degree of economic direction. Whatever one’s political persuasion, it is hard to ignore that many of the key indicators -  growth, productivity, business...

How advisers can find and secure powerful introducers to grow their business – Pt2

I hope you found my earlier article useful and enlightening and if so, please read on, as in this piece I complete the steps...

DISTRIBUTION

Conveyancing delays blamed by 65% of buyers

More than six in ten homebuyers say conveyancing is the biggest cause of delays...

TRM hires compliance manager to strengthen AR support

The Right Mortgage & Protection Network has appointed Samantha Roe as compliance manager, bolstering...

Afin waives legal fees on remortgages in broker push

Afin Bank is offering free legal fees on remortgage applications submitted before the end...

Paradigm bolsters leadership team

Paradigm Mortgage Services has made a series of senior appointments including a new head...

OMS integrates UTB residential range via API

One Mortgage System has completed a full API integration with United Trust Bank, giving brokers direct access to its residential mortgage range without the need to rekey data. The integration allows OMS users to submit first charge residential applications straight through the platform, streamlining the...