Borrowers shift back to 2-year fixes as rate hopes grow

Mortgage borrowers are increasingly opting for 2-year fixed-rate deals as expectations build that mortgage pricing will continue to fall over the coming months. Analysis of mortgage searches on Moneyfactscompare.co.uk found the proportion of borrowers comparing 2-year fixed mortgages rose...

Latest news

The economics of developing the next generation of advisers

Over the past couple of decades, I have worked alongside literally thousands of AR and DA firms, from businesses employing one or two advisers...

Stonebridge releases 2026 Regional Roadshow dates

Stonebridge has released its 2026 Regional Roadshow dates and revealed where it will be taking its mini-conference tour of Britain this year. The mortgage and...

Pepper Money cuts rates across resi and affordable homes range

Pepper Money has cut rates across its residential and affordable home ownership range. Residential rates now start from 5.30% up to 75% LTV, shared ownership...

Paragon launches two-year BBR trackers

Paragon Bank has introduced new two-year Bank Base Rate (BBR) trackers to its buy-to-let range. The revised range is available up to 75% loan-to-value (LTV)...

Atom Bank makes third prime rate cut in a month

Atom bank has made further rate reductions across its entire prime mortgage range, alongside introducing new fee options for 95% LTV products. This is the third series of rate cuts on Atom bank’s prime range within a month. With immediate...

GB Bank appoints Asim Shirwani to lead new bridging team

GB Bank has appointed Asim Shirwani as head of bridging to lead a new bridging team at the specialist bank. In his new role, Shirwani will take on a market-facing position focused on growing the bank’s bridging business, whilst...

Mortgage searches return to growth in June

Mortgage search activity strengthened during June, according to the latest Mortgage Market Snapshot from Twenty7tec. Total mortgage searches reached 1,774,749 during June, representing a 7% increase compared with May and 2% higher than June 2025, making June the first...

North/South rental yield gap narrows

The gap between rental yields in the North and South of England has narrowed during the second quarter of 2026, according to Fleet Mortgages' latest Rental Barometer. The Fleet Mortgages Quarterly Rental Barometer provides a regional snapshot of rental...

PROFILE

Claire Cherrington on the opportunities ahead for mortgage clubs

The mortgage club and compliance landscape is changing faster than at any point in recent memory. Consolidation is gathering pace, technology and artificial intelligence...

INDUSTRY COMMENT

Approvals hit a 2.5-year low: When broker value gets proven – or missed

Net mortgage approvals dropped to 56,200 in May – the lowest since December 2023 - down from 66,000 the month before. Net borrowing fell from...

How will H2 compare to the first six months of the year?

Last week marked the end of the first half of 2026, making it the perfect opportunity to reflect on what has been another eventful...

Removing friction from the homebuying journey

One thing I keep hearing from our advisers is how much more work each case now generates, largely because so much of it involves...

Innovation in the lifetime mortgage market riding high

Innovation in the lifetime mortgage market has created real value for customers – there’s no excuse to ignore it. When a UK borrower reaches 55,...

How small and medium-sized lenders can fix the origination headache

We are constantly told that to fix the mortgage journey, we need to rip everything out and start again. That unless a lender replaces its...

A new PM brings a new opportunity to rethink housing policy

Politics, as it seems to do in recent times, has moved at remarkable speed over the last couple of weeks. In what feels like...

Q&As

BUY-TO-LET

Landbay cuts rates again

Buy-to-let lender, Landbay, has announced a further round of rate cuts - up to...

Steve Hayes joins Specialist Hub

Steve Hayes has joined the Specialist Hub alongside Mike Brooks, with both now fully...

UTB appoints Frankie Kitchen as BTL key account manager

United Trust Bank (UTB) Mortgages has appointed Frankie Kitchen as a buy-to-let key account...

Landbay launches new remortgage AVM products

Buy-to-let lender, Landbay, has launched new premier remortgage AVM two-year fixed-rate products and reduced...

GB Bank cuts 65% LTV BTL rates by 0.30%

GB Bank has reduced its 65% LTV buy-to-let core range rates by an additional...

Together cuts fixed rates and expands criteria

Specialist lender Together has reduced rates across its fixed-rate product range and announced it...

Bank lending to smaller property investors falls 14%

The value of lending from UK-regulated banks to small and medium-sized property investment businesses...

Renters face higher costs amid strong demand

Two in three (63%) recent movers ended up paying more rent than planned, as...

NEWSLETTER SIGNUP

FIRST-TIME BUYERS

Buyer demand falls 15% year-on-year

Political uncertainty and higher borrowing costs have led to a 15% year-on-year fall in buyer demand across the UK, according to Zoopla’s latest House Price Index. A change of Prime Minister and uncertainty ahead of the Autumn Budget have added to the slowdown, with sales...

Political clarity should benefit homebuyers

It’s been another positive week for the mortgage market, with lenders continuing to reduce...

Coventry for intermediaries cuts fixed rates across residential and buy-to-let range

Coventry for intermediaries has cut rates across its fixed mortgage range, with reductions available...

Nationwide cuts mortgage rates for third time this month

Nationwide Building Society has reduced mortgage rates by up to 0.25 percentage points across...

Gen H and Just Mortgages tool to help shared ownership borrowers move to full ownership

Just Mortgages and Gen H have introduced a new calculator designed to help shared...

OPINION

Build, baby, build? Well we will need to fund more than the usual suspects

There was a noticeable sense of optimism at UKREiiF this year. That may sound surprising given the economic headwinds of recent years, but the...

With great power comes great responsibility

There has been a huge amount in the press about the “feudal” system of...

Don’t rein me in

For many years, major financial institutions and large retailers have understood the benefits of...

More questions now surround the home moving digital journey

The Ministry of Housing, Communities and Local Government (MHCLG) has published its highly anticipated Home Buying and Selling Reform Roadmap, representing the most aggressive effort to modernise property transactions in a generation. Spanning 12 comprehensive chapters, the framework targets systemic failures - such as the...

Stability has value: why the latest Bank Base Rate hold matters

The Bank of England's decision to maintain Bank Base Rate (BBR) at 3.75% may not have generated the excitement that often accompanies a rate...

DISTRIBUTION

TMG boss gives staff day off after England’s 1am World Cup clash

TMG mortgage network founder and CEO Scott Thorpe has given all staff an extra...

Industry leaders unite behind MIMHC Lunch

HSBC UK, Virgin Money, Nottingham Building Society, Landbay and top broker firms Mortgage Advice...

MT Finance latest firm to offer World Cup time off

As mortgage firms gear up for England’s 1am World Cup clash against Mexico on...

TRM Network promotes Amy Wilson to new propositions role

The Right Mortgage & Protection Network has promoted Amy Wilson to the newly created...

AR market consolidates as revenues rise despite fewer principal firms

The UK's appointed representative market is becoming more concentrated, with fewer principal firms overseeing a largely stable number of representatives while revenues continue to increase across financial services sectors. Research from Enness Global shows the number of principal firms operating within the Financial Conduct Authority's...