Why complex-income borrowers need more adviser support

The UK mortgage market has become more complex for borrowers, lenders and advisers alike. Higher rates, tighter affordability pressures and more varied working patterns mean that many clients no longer fit neatly into a standard employed-income box. For brokers...

Latest news

SortRefer launches snagging reports service for new-build buyers

SortRefer has launched a snagging reports service to help brokers support clients buying new-build homes. The online panel manager has partnered with The Professional Snagging...

CIExpert partners with Succession Wealth on protection advice

Protection research platform CIExpert has entered into a strategic partnership with Succession Wealth aimed at strengthening protection advice across the national financial planning firm. The...

Foreign exchange moves into focus as advisers urged to act earlier in mortgage process

Rising use of overseas funds in UK property purchases is increasing the need for brokers to address currency risk at an earlier stage. Twenty7tec has...

Open Property roadmap aims to cut delays and fall-throughs in homebuying

The Centre for Finance, Innovation and Technology (CFIT) has unveiled a new Open Property roadmap designed to modernise the UK homebuying process using Smart...

FCA and Bank of England tokenisation push could reshape mortgage funding

The FCA and Bank of England have set out a joint long-term vision for tokenisation and distributed ledger technology in UK financial markets – a move that could eventually have major implications for mortgage funding, property transactions and...

Monmouthshire soft launches new origination platform

Monmouthshire Building Society has begun the soft launch of its loans origination platform with a selected group of intermediary partners as lenders continue investing heavily in mortgage processing technology. The mutual has partnered with fintech firm MQube to develop...

Model Office launches AI-powered client file review system

Compliance technology firm Model Office has launched an AI-powered client file review platform designed to help mortgage and financial advice firms automate compliance monitoring and improve oversight of regulatory file checking. The new software integrates directly with adviser CRM...

The Skipton cuts residential mortgage rates

Skipton Building Society will cut rates across parts of its residential mortgage range from 9am on Tuesday 19 May. The building society said the changes would apply across selected two-year, three-year and five-year fixed rate products at 90%, 95%...

PROFILE

Kevin Tunnicliffe on ending the race to the bottom

This was always going to be a tricky interview. I’ve known Kevin Tunnicliffe, chief executive officer of Sort Group, which includes Sort Refer, for...

INDUSTRY COMMENT

As leadership battle brews, could later life lending emerge as a defining policy issue?

The runners and riders are anticipating a leadership challenge to unseat Labour’s first Prime Minister in 20 years. Few could have imagined such a...

Economic abuse: The warning signs every adviser should recognise

Taking out a joint mortgage is one of the most common ways for people to get onto the property ladder. For many, combining earning...

Why partnerships are key for unlocking advice niches

What’s your USP? It’s a vital question for all businesses to consider, but particularly advice firms. So, what exactly draws a potential client to...

Is landlord liquidity at risk of becoming too overlooked?

Among the many heated debates swirling around the buy-to-let market at present - and there are many - one that gets relatively little attention...

Making children’s cover part of the mortgage conversation

Seeing a child unwell can often change how we feel, especially if you are a parent. Even when it’s a common childhood illness, such...

OMS adds Twenty7tec monitoring tool to broker platform

One Mortgage System (OMS) has integrated Twenty7tec’s ADAPT product monitoring tool into its CRM and loan origination platform. The integration is live and available to...

Q&As

BUY-TO-LET

Mortgage arrears fall again as possessions edge up in Q1

Mortgage arrears declined across both residential and buy-to-let lending in the first quarter of...

OMS renews technology agreement with Complete FS

One Mortgage System has renewed its agreement with Complete FS, extending the specialist distributor’s...

Offa expands home finance team as Islamic lender builds on product growth

Offa has strengthened its home finance division with four new hires as it looks...

The Mortgage Works cuts rates and adds new buy-to-let options

The Mortgage Works has cut rates by up to 0.20 percentage points across selected...

Mansfield launches fixed rates running to September 2031

Mansfield Building Society has launched three mortgage products fixed until 30 September 2031, aimed...

Gatehouse Bank partners with Finvise to speed up valuations

Gatehouse Bank has partnered with Finvise to provide faster property valuations for UK home...

Landbay appoints buy-to-let BDM for Kent and South Coast

Landbay has appointed Richard McRoberts as business development manager for Kent and the South...

Foundation relaunches ERC3 buy-to-let products 

Foundation has relaunched a number of buy-to-let products withdrawn earlier this year while also...

MORTGAGE MINGLE PODCAST

NEWSLETTER SIGNUP

FIRST-TIME BUYERS

West Brom BS cuts low-deposit mortgage rates

West Brom Building Society has reduced rates across its two-year core and new build mortgage ranges. The mutual said the changes are intended to support first-time buyers and home movers in the low-deposit market. Its two-year fixed-rate 90% LTV purchase mortgage, available to first-time buyers and...

First-time buyers overestimate deposit needed to buy

Many first-time buyers may be delaying home ownership because they misunderstand the deposit needed...

Lloyds Banking Group cuts deposit barrier with £5k first-time buyer deal

Lloyds Banking Group has launched a new mortgage allowing first-time buyers to secure a...

First-time buyers face pressure as high LTV mortgage choice falls

First-time buyers remain under pressure from reduced mortgage choice and stretched affordability, despite signs...

Off-plan sales hit 12-year low as costs squeeze housebuilders

The share of new homes sold off-plan has fallen to its lowest level since...

OPINION

Beyond the walk: Mortgage leaders talk mental health – part 13

The Mortgage Industry Mental Health Charter (MIMHC) began its third annual 144-mile Walk & Talk challenge on Sunday and will finish on Friday this...

Beyond the walk: Mortgage leaders talk mental health – part 12

The Mortgage Industry Mental Health Charter (MIMHC) began its third annual 144-mile Walk &...

Beyond the walk: Mortgage leaders talk mental health – part 11

The Mortgage Industry Mental Health Charter (MIMHC) began its third annual 144-mile Walk &...

A BBR decision rooted in caution, not complacency

The Bank of England MPC’s decision to hold Bank Base Rate (BBR) will come as a welcome outcome for many across the mortgage market, and particularly for advisers supporting clients through what remains a complex and uncertain environment. While the recent rise in inflation may...

Beyond the walk: Mortgage leaders talk mental health – part 10

The Mortgage Industry Mental Health Charter (MIMHC) began its third annual 144-mile Walk & Talk challenge yesterday and will finish on Friday this week....

DISTRIBUTION

Paradigm adds Afin Bank to lender panel

Paradigm Mortgage Services has added Afin Bank to its lender panel, giving member firms...

The Beverley joins Brilliant Solutions mortgage club panel

Beverley Building Society has joined the Brilliant Solutions Mortgage Club lender panel in a...

OSB Group promotes Hollands to lead intermediary sales and distribution

OSB Group has promoted Emily Hollands to group head of intermediary sales and distribution...

Together hires strategy chief to support growth plans

Together has appointed Russell Anderson as chief strategy officer as the specialist lender looks...

Pepper Money reshapes sales leadership team

Pepper Money has made a series of changes to its sales leadership structure as it looks to strengthen national broker coverage and intermediary relationships. Ryan Brailsford has moved into the role of distribution director, with responsibility for the specialist mortgage lender’s distribution strategy and delivery. In...