Regional divide reshapes landlord investment plans

Landlords are reassessing where they invest as regional differences in yields, arrears and void periods reshape buy-to-let strategies, research from Foundation has found. The Q2 2026 Pegasus Insight Landlord Trends report recorded an estimated average portfolio value of £1.8m,...

Latest news

Saffron challenges five complex income myths

Saffron for Intermediaries has urged brokers not to dismiss complex income cases as changing employment patterns leave more borrowers outside traditional lending criteria. The lender...

Accord cuts selected mortgage rates by up to 0.18%

Accord Mortgages will reduce selected residential and buy-to-let mortgage rates by up to 0.18% from 8am on Thursday 13 August. The intermediary-only lender will cut...

Scottish BS deploys AI across all customer interactions

Scottish Building Society has partnered with Malted AI to analyse every customer interaction across its service channels. The mutual has introduced the Malted Platform to...

Paragon refreshes buy-to-let range with rates from 3.55%

Paragon Bank has refreshed its buy-to-let mortgage range, introducing rates from 3.55% and products at up to 80% loan-to-value (LTV). The range includes 2- and...

PropTech silos prolong mortgage journey, Houzecheck warns

Disconnected property technology is creating new data silos instead of delivering faster mortgage and homebuying transactions, Houzecheck has warned. Writing today in Property Soup Richard Sexton (main picture), commercial director at Houzecheck, argued that the industry must shift its...

Swansea BS completes £25k charity fund with YMCA Cardiff donation

Swansea Building Society has completed an anniversary charity fund with a £3,000 donation to YMCA Cardiff. The £25,000 fund was established to mark Alun Williams's 25 years as chief executive of the mutual. It has provided £20,000 to Faith in...

AI doesn’t remove bias. It gives us the chance to manage it

One of the great promises of artificial intelligence has always been objectivity. Machines, unlike people, do not have bad days. They do not favour candidates because they remind them of themselves. They do not become impatient, tired or...

No mandate for automatic cohabitation rights, Deech warns

Proposals giving cohabiting couples automatic rights over homes, pensions and other assets lack clear public support, Baroness Ruth Deech has warned. The crossbench peer (main picture, inset) made the claim in a submission to the Ministry of Justice’s consultation,...

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

Advisers need an answer for evolving landlords

It’s a tough time to be a landlord. The succession of changes to tax and regulation made in recent years - with the Renters’...

Brokers shouldn’t wait to be asked about additional borrowing

We saw some welcome news last week, with several lenders reducing their rates. That's a positive step, and one worth acknowledging after a stretch...

Commonhold reform: Devil in the detail

The government's language on leasehold reform remains forthright. Ministers speak of, “bringing the feudal leasehold system to an end,” of returning power to homeowners...

Q&As

BUY-TO-LET

Remortgage searches rise 7% in July

Residential remortgage searches increased by 7% during July as purchase and buy-to-let activity weakened,...

LEASE launches lease extension cost tool

The Leasehold Advisory Service has launched a free online tool enabling leaseholders to check...

Vida mortgage lending more than doubles to £840m

Vida Group Holdings increased gross mortgage lending to £840m during the first half of...

Affordability blocking housing recovery

Improving confidence is encouraging buyers back into the housing market but affordability remains the...

London leads rental growth as supply shortage keeps rents high

London recorded the strongest monthly increase in average rents as demand continued to outstrip...

Coventry cuts residential and buy-to-let rates

Coventry for intermediaries has reduced selected residential and buy-to-let mortgage rates for new and...

Rely cuts buy-to-let rates by up to 25bps

Rely has reduced rates by up to 25 basis points across a range of...

FIRST-TIME BUYERS

Mortgage rate reversal wipes out July cuts

Average mortgage rates increased during July, reversing the reductions recorded a month earlier, according to Moneyfacts. The Moneyfacts Average New Mortgage Rate rose by 0.12 percentage points from 5.47% at the beginning of July to 5.59% at the start of August. Average 2- and 5-year fixed...

House price growth slows to 0.1%: Lloyds

UK house prices remained unchanged in July as higher mortgage rates and global economic...

Is there such thing as a ‘typical borrower’ anymore?

What is a typical borrower? A few decades ago, it would have been a...

Darlington BS backs £420k mortgage using expat income

Darlington Building Society has completed a £420,000 joint borrower sole proprietor mortgage involving two...

Check.co.uk launches free dual-bureau platform for mortgage applicants

Check.co.uk has launched a free financial wellbeing platform intended to help consumers prepare for...

OPINION

Managing cashflow and risk in today’s turbulent market

Over the past decade buy-to-let landlords have become accustomed to operating in a market where it can often feel like change is the only...

Private credit has reached its next stage of maturity

Every lending market experiences moments that prompt uncomfortable questions. A high profile default, allegations...

Your clients aren’t being stolen… they’re being handed over

Let's be honest about something the industry won't say out loud. Lenders going direct...

AI is changing banking but trust will define who succeeds

For the past three years, the conversation around artificial intelligence in financial services has been dominated by technology. Every week seems to bring another breakthrough, another model or another promise of greater efficiency. Yet amid all the excitement, one question has often been overlooked. Just...

No benefit to be had from ‘wait and see’

It seems to be a recurring theme as of late, but it’s been yet another week of volatile rates. Swap rates continue to move,...

DISTRIBUTION

TPFG financial services revenue rises to £13m

The Property Franchise Group (TPFG) increased financial services revenue by 10% to £13m during...

MortgageMatch launches AI-ready broker directory

MortgageMatch.org has launched a consumer-facing platform designed to make finding and comparing mortgage brokers...

GB Bank joins Mortgage Advice Bureau lender panel

Mortgage Advice Bureau has added GB Bank to its lender panel, giving its advisers...

TMG adds Handelsbanken to mortgage lender panel

TMG Mortgage Network has added Handelsbanken to its lender panel, giving advisers access to...

Walsham Brothers appoints Omni Protect as first distribution partner

Walsham Brothers has appointed Fintel's whole-of-market protection club Omni Protect as its first distribution partner. The agreement follows Beagle Street's announcement two weeks ago that Omni Protect would be the founding distribution partner for its launch into the adviser market. Adviser firms using Omni Protect will...