Trade bodies welcome first-time buyer scheme but call for careful design

Mortgage trade bodies have welcomed the government's proposed Your First Home scheme, while warning that its success will depend on affordability, lender participation and the availability of suitable new-build homes. The Association of Mortgage Intermediaries (AMI) and the Intermediary...

Latest news

Eleos launches income protection with redundancy cover

Eleos Life has launched an income protection policy covering redundancy alongside illness and injury as research shows almost half of homeowners mistakenly believe conventional...

Advice firm wins first client through ChatGPT after AI visibility push

A financial advice firm secured its first client through ChatGPT within two weeks of making changes designed to improve its visibility to artificial intelligence...

Alps expands landlord insurance add-ons on Acturis

Alps has made its full range of let property insurance add-ons available through the Acturis trading platform, widening brokers' access to specialist landlord cover. The...

Lifetime ISAs linked to £67.5bn of first-time buyer property purchases

Lifetime ISAs have helped more than 417,000 people buy their first home since the savings product was launched in 2017, according to HMRC figures...

Landbay webinar to examine outlook for rates and UK economy

Landbay is to host an economic webinar examining the outlook for interest rates, inflation and UK growth following the latest Bank of England decision. The buy-to-let lender's latest Spotlight session will take place online at 11am on 2 October...

Cost of living hits homeownership plans for more than half of young Scots

More than half of younger adults in Scotland say cost-of-living pressures are the biggest obstacle to buying a home, according to research from Pepper Money. The lender's Scotland Specialist Lending Study found that 54% of 18 to 34-year-olds identified...

Precise cuts residential mortgage offer times with new platform

Precise has launched a residential mortgage platform after a pilot reduced average application-to-offer times by almost 30% compared with its previous system. The specialist lender, part of OSB Group, said application-to-completion times also fell by around a third during...

Impaired credit mortgage sales rise to highest level since 2008

Mortgage lending to borrowers with impaired credit histories has climbed to levels not seen since the financial crisis, with almost 6,000 products sold in the first half of 2026. Analysis by Broadstone of Financial Conduct Authority data obtained through...

PROFILE

Buy-to-let at 30: the mortgage that changed Britain’s housing market

John Heron helped create buy-to-let when landlords had almost nowhere to turn for finance. Thirty years later, he and Paragon Bank's Louisa Sedgwick reflect...

INDUSTRY COMMENT

Buy-to-let has matured as a market

Buy-to-let turned 30 last week, and it's a good moment for some much-needed positivity around this market. Whatever the narrative around buy-to-let has been at...

Network recruitment called. The 1970s want their strategy back

I spend a lot of my time looking at growth. What does it cost? Is it sustainable? And are we creating value, or just...

Bank Rate holds again, but November is now firmly in focus

There may well have been a collective sigh of relief across the mortgage market when the Bank of England announced another Bank Base Rate...

Q&As

BUY-TO-LET

Quantum Mortgages promotes Mihramane and Ajaib

Quantum Mortgages has made two internal promotions across its sales and completions teams as...

Tenant views of landlords more positive than wider perceptions, YBS research finds

Private renters are significantly more positive about landlords than wider public debate might suggest,...

Landbay adds 11 tracker products and cuts rates by up to 15bps

Landbay has expanded its buy-to-let tracker range with 11 new products and reduced rates...

Keystone trims buy-to-let fixed rates by up to 15bps

Keystone Property Finance has reduced pricing across a number of its buy-to-let mortgage ranges,...

Saffron expands expat landlord range and eases residential income criteria

Saffron for Intermediaries has broadened its specialist mortgage criteria with new expat HMO products...

Landlords adapt portfolios as Renters’ Rights Act beds in

Landlords are adjusting their operating models to the Renters' Rights Act rather than retreating...

Chetwood Bank takes Tower 42 office as balance sheet reaches £7bn

Chetwood Bank has opened a new London office in Tower 42 as it expands...

FIRST-TIME BUYERS

Skipton cuts fixed rates and widens home mover range

Skipton Building Society is reducing rates across its fixed mortgage range by an average of 0.15%, alongside expanding its Delayed Start Mortgage and adding new higher-LTV products. The pricing changes will take effect from 9.00am on Friday 25 September and will apply to fixed-rate mortgages...

Complex incomes hindering aspiring Scottish buyers

More than half of Scottish adults with complex incomes who do not own a...

UK buyers reluctant to compromise despite affordability pressures

UK homebuyers remain committed to purchasing a property but are less willing than buyers...

Gable zero-deposit mortgages added to Twenty7tec sourcing platform

Twenty7tec has added Gable Mortgages to its RESEARCH platform, making the lender's zero-deposit residential...

FORTO Finance launches with focus on expat mortgage market

FORTO Finance has launched in the UK mortgage and protection market following a pilot...

OPINION

Harpenden’s expat move could be bigger than the numbers suggest

Harpenden Building Society’s move into expat mortgages this summer has been good news for brokers and borrowers. But I think its importance goes beyond...

We need to wait to get a clearer picture

It's been a week where the political and economic backdrop has moved almost as...

Leasehold valuation reform: the consultation is asking only half the question

The Government's consultation on leasehold enfranchisement valuation rates is important because it will help...

What commonhold will mean for mortgage lenders and brokers

Commonhold is often presented as the straightforward alternative to leasehold. It removes the freeholder, gives flat owners greater control and avoids some familiar problems such as diminishing lease lengths and ground rents. For mortgage lenders and brokers, however, the more important question is not whether...

Why you need to know what sits behind the average review score

There’s a funny thing about review scores. The better they are, the less likely we are to question them. If a company is sitting at...

DISTRIBUTION

PMS reports double-digit growth in mortgages and protection

PMS Mortgage Club says it is on course for its strongest performance in five...

Paradigm expands conveyancing panel with Optimus

Paradigm Mortgage Services has added Optimus to its conveyancing panel, giving member firms access...

L&C strengthens senior team with partnerships and technology hires

L&C Mortgages has expanded its senior leadership team with the appointment of Rachael Hunnisett...

RAW Capital Partners adds specialist mortgages to L&G Ignite

Brokers using L&G's Ignite sourcing platform can now access RAW Capital Partners' specialist buy-to-let...

Subcontext brings protection distribution into ChatGPT and Claude

Subcontext has launched technology that it says will allow UK insurers and brokers to distribute protection products through conversational AI platforms including ChatGPT and Claude. The AI-focused insurance technology business said its integration could enable consumers to ask questions about life cover, obtain prices based...