Second charge lending tops £2.14bn

The UK second charge mortgage market surpassed £2.14bn in new lending during 2025 with more than 41,700 agreements completed, according to data from the Finance & Leasing Association (FLA). The figures represent year-on-year growth of 24%, marking another period...

Latest news

CIExpert expands Critical Thinking research into IP

CIExpert is set to launch Critical Thinking 2026 on 12 March, expanding its flagship protection market study to include Income Protection (IP) alongside Critical...

Vida to allow intercompany deposit loans and raises exposure cap

Vida Homeloans has widened its buy-to-let criteria, allowing intercompany loans as a deposit source for SPV applications and increasing its aggregate exposure limit to...

23% of would-be homeowners stay in jobs they dislike to secure a mortgage

Almost one in four aspiring homeowners have remained in roles they dislike in order to improve their chances of securing a mortgage, according to...

The Yorkshire teams up with Plain Numbers to improve clarity

Yorkshire Building Society has partnered with Plain Numbers in a three-year programme aimed at improving how it communicates financial information to members and customers. The...

Mercantile Trust enhances criteria and unveils new calculator

Mercantile Trust has announced a series of lending criteria enhancements alongside the launch of a new integrated calculator as it looks to provide brokers with greater flexibility across its product range. The specialist lender said the changes are designed...

Average mortgage LTV drops to 59% as housing equity swells by £677bn

The average loan-to-value ratio on mortgaged properties across the UK now stands at 59%, down from around 70% in 2012, according to new analysis from the Intermediary Mortgage Lenders Association. In its latest report, The New Normal – prospects...

Paragon creates new intermediary relationship team to bolster broker support

Paragon Bank has established a dedicated intermediary relationship team as it seeks to deepen its engagement with buy-to-let brokers across the UK. The specialist lender said the new function forms part of its continued investment in broker support, with...

Atom bank lowers commercial mortgage entry point to £200,000

Atom bank has reduced the minimum loan size across its commercial mortgage range to £200,000, in a move designed to address growing demand from brokers for smaller ticket lending. The change widens access to funding for SMEs seeking more...

PROFILE

Michael Day on why conditional selling remains an industry flashpoint

Conditional selling remains one of the most persistent and contentious issues facing the UK housing and mortgage markets with brokers continuing to report pressure...

INDUSTRY COMMENT

The continued evolution of the later life lending market

Later life lending has moved well beyond being an occasional enquiry about equity release or a maturing interest-only case. It is now a consistent and...

What does the year hold for specialist first charge residential mortgages?

A few months into 2026, it is already clear that many borrowers continue to fall outside the criteria set by high street and mainstream...

A turning point for British Islamic home finance

A quick question for brokers: what would you do if 80% of a fast-growing community told you the market was not serving them properly? That...

Mutual sector ambition needs tech-driven scale

The Government’s commitment to doubling the size of the mutual sector has been welcomed across financial services. Building societies continue to play a critical...

Conveyancing fees will rise and you can blame the Government

Tax is complicated and making sure you pay the right amount can be challenging - just ask MP Angela Raynor or indeed former Chancellor...

The conveyancing power of sales-ready packs

Conveyancing is stressful – and I'm not just talking about the poor customer experience. From a turnaround time of around eight weeks back in...

Q&As

BUY-TO-LET

Market Financial Solutions applies for administration

Market Financial Solutions has confirmed it has made an application to the court to...

MAB hosts strategic lender Summit at Century Club 

Leading figures from the UK mortgage lending community gathered last night at the exclusive...

HLP upgrades CRM for limited company buy-to-let surge

HLPartnership has upgraded its CRM system to better support advisers handling limited company buy-to-let...

Vida extends foreign national criteria across buy-to-let range

Vida Homeloans has widened its foreign national lending criteria across its entire buy-to-let range,...

Rely completes £2.1m buy-to-let refinance ahead of development loan deadline

Rely has completed a £2.1m buy-to-let refinance on a newly built four-home portfolio, securing...

Family boosts buy-to-let borrowing by up to 35%

Family Building Society has enhanced its buy-to-let affordability assessment, increasing potential borrowing by up...

Wealthy investors increase exposure to buy-to-let as tax allowances are exhausted

Affluent UK investors are allocating more capital to buy-to-let property once ISA and pension...

Landlords spending up to 10 working days a month managing portfolios

Landlords are committing the equivalent of almost four working days a month to managing...

MORTGAGE MINGLE PODCAST

NEWSLETTER SIGNUP

FIRST-TIME BUYERS

Stamp Duty receipts climb to £899m in subdued January market

Homebuyers handed over £899m in Stamp Duty Land Tax in January, despite the traditionally quieter start to the year for transactions. Analysis of the latest HMRC figures by Coventry Building Society shows receipts were up 6% on the £848m collected in January last year, underlining...

Melton extends 100% LTV deal nationwide after early demand

Melton Building Society has confirmed that its no deposit mortgage, powered by Gable Sure,...

Average mortgage payments down £119 year-on-year

The average monthly mortgage payment for a new homebuyer has fallen by £119 over...

Connells drives £33bn lending as profits jump 19%

Connells Group generated £33.3bn of mortgage lending in 2025 as group profits surged 19%...

Skipton grows mortgage book to £33bn

Skipton Group increased its mortgage balances to £33.3bn in 2025, with a record 50%...

OPINION

Cloud is not about where you host technology, it’s about how

When lenders talk about cloud, the discussion often begins – quite reasonably – with control. Where will the data sit? How will resilience be...

AI, mortgages and the human need we can’t ignore

There is lots of talk about technology with cloud-native and artificial intelligence just some...

PMI – an advice gap not to be ignored

The latest figures from the ABI show insurers processed a record £4 billion in...

The self-employed boom and why traditional life cover won’t cut it

There’s a shift happening in how people work and how they buy homes - especially for the self-employed and gig economy worker. Flexibility, autonomy and the freedom to choose your own hours have made self-employment attractive but those benefits come with some real financial blind...

First-time buyers and buy-to-let are not rivals

As we move further into 2026, a familiar narrative is starting to reappear. It suggests that a stronger first-time buyer market will be delivered...

DISTRIBUTION

Loan.co.uk hires Michelle Westley to drive intermediary growth

Loan.co.uk has appointed Michelle Westley as head of partnership marketing as the specialist lender...

The Right Mortgage introduces in-house packager service for complex cases

The Right Mortgage has launched The Right Packager, a new service available to advisory...

Raw Capital Partners joins L&G Mortgage Club panel

Raw Capital Partners has joined the panel of Legal & General’s Mortgage Club, enabling...

Molo adds to South East presence with BDM hire

Molo has appointed Steven Griffiths as business development manager for south-east England. The lender, which...

Brightstar Group marks 15 years with £10bn in specialist lending and plans for 20% annual growth

Brightstar Group has marked its 15th year of trading by reporting more than £10bn in specialist lending facilitated since launch and setting out plans for sustained double-digit growth over the next three years. Founded in 2011, Brightstar has evolved into a multi-brand specialist finance group...