Let’s not get bogged down in the macro, let’s focus on the ones and twos

In challenging times such as this, it often feels like the first instinct for many in the mortgage market is to talk it down. They will often look at the market as the sum of its challenges. To...

Latest news

Foundation raises income multiples for higher-earning mortgage borrowers

Foundation Home Loans has increased the amount higher-earning residential borrowers can access under changes to its loan-to-income criteria. The intermediary-only specialist lender said sole applicants...

Wealthy Advisers Club funds £997 wellbeing retreat place to MIMHC

The Wealthy Advisers Club has donated a fully funded place at its inaugural Digital Detox Retreat to the Mortgage Industry Mental Health Charter. The £997...

Access FS mortgage business rises 46.8% in record July

Access Financial Services recorded its strongest month for mortgage business in July, with activity 46.8% higher than in July 2025. The result was also 39%...

LiveMore launches mortgage podcast for brokers and advisers

LiveMore has launched a podcast series covering developments in the specialist and later-life lending markets. The lender said Living More, which is aimed at brokers...

Mortgage myths deter would-be first-time buyers

Misconceptions about mortgage eligibility may be prompting aspiring first-time buyers to abandon their plans before exploring the options available to them, research from Lloyds suggests. A study of more than 1,000 prospective first-time buyers found that 58% incorrectly believed...

Dudley Building Society publishes guide to trusts

Dudley Building Society has published a guide explaining how trusts can be used to protect savings, support relatives and pass wealth between generations. The Trust Savings Guide is aimed at customers who are uncertain about whether a trust is...

Eleos partners with Homebox to target underserved renters

Eleos has partnered with household bills platform Homebox to offer life insurance and income protection to renters and home movers. The partnership will give Eleos access to consumers outside the traditional mortgage advice channel, with protection offered to Homebox...

Mortgage anxiety rises as one in five lack financial safety net

The proportion of UK adults apprehensive about making mortgage decisions has risen from 15% to 21% over the past year according to research from Handelsbanken Wealth. Anxiety around other major financial decisions has also increased, with 33% now apprehensive...

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

Are we actually set up to support first-time buyers?

After a summer spent thinking it over, this time of year is often the point where first time buyers decide whether they're going to...

Leasehold reform has a September window – will Burnham use it?

At the time of writing, the Commonhold and Leasehold Reform Bill still has no published First Reading date.  But is it imminent? Andy Burnham entered...

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’...

Q&As

BUY-TO-LET

Landlords reporting rent arrears falls to record low

The proportion of landlords reporting rent arrears has fallen to its lowest level on...

Fleet Mortgages brings back fee options for HMO and MUFB loans

Fleet Mortgages has reintroduced two five-year fixed-rate products for houses in multiple occupation and...

Hanley Economic moves into holiday let lending

Hanley Economic Building Society has entered the holiday let mortgage market with two variable...

Mortgage industry backs alcohol-free MIMHC lunch

An alcohol-free event organised by the Mortgage Industry Mental Health Charter (MIMHC) has secured...

HSBC cuts residential and buy-to-let mortgage rates

HSBC UK is reducing rates across its residential and buy-to-let mortgage ranges from 19...

Virgin Money cuts new business fixed rates but raises buy-to-let transfer pricing

Virgin Money will reduce selected residential purchase and remortgage fixed rates while increasing some...

Tenant demand rises for first time in two years

Tenant demand increased in the second quarter of 2026, reversing two years of decline,...

FIRST-TIME BUYERS

Gen H cuts high-LTV mortgage rates by 15 basis points

Gen H has reduced rates across its 90% and 95% loan-to-value mortgage ranges in a move aimed at buyers with smaller deposits. The residential mortgage lender has cut rates by 15 basis points, its second reduction at higher loan-to-value (LTV) levels in three weeks. The changes...

Half of homes taking longer to sell as regional divide widens

Homes in almost half of Great Britain’s local authority areas are taking longer to...

Revived Help to Buy would inflate prices: Lamdin

Restoring Help to Buy would strengthen developers’ sales without solving the underlying affordability crisis...

Nationwide cuts fixed mortgage rates by up to 0.15%

Nationwide Building Society is reducing selected fixed mortgage rates by up to 0.15 percentage...

Asking prices suffer biggest August fall since 2018

The average asking price of a newly listed home fell by 2% in August,...

OPINION

The blind spot: residential advisers and the over-55 customer

Yesterday I talked about the supportive nature of the equity release and later life lending community and the fact that collaboration is one of...

The uncomfortable truth about the later life lending market

The headlines around the latest Equity Release Council figures released this month all suggested...

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...

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 and of making commonhold the default way to own a flat in England and Wales. The draft Commonhold and Leasehold Reform...

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...

DISTRIBUTION

Nomo joins Omni Mortgage Club lender panel

Omni Mortgage Club has added Sharia-compliant property finance provider Nomo to its lender panel. The...

Marsden passes £100m Guernsey lending milestone

Marsden Building Society has surpassed £100m in mortgage completions in Guernsey through its partnership...

L&G appoints Kerrigan to drive Ignite broker rollout

Legal & General has appointed Craig Kerrigan as broker relationship manager for its Ignite...

Stonebridge overhauls protection sourcing platform

Stonebridge has redesigned the protection sourcing journey within its Revolution adviser platform to support...

GB Bank joins Mortgage Advice Bureau lender panel

Mortgage Advice Bureau has added GB Bank to its lender panel, giving its advisers access to the bank's bridging and buy-to-let products. The agreement allows Mortgage Advice Bureau advisers to place buy-to-let cases with the bank, including enquiries involving residential, semi-commercial and commercial property. GB Bank...