Pivotal reports 121% growth in second charge lending

Pivotal has reported a 121% year-on-year increase in second charge lending through its Believe Loans team, significantly ahead of wider market growth. Believe Loans joined Pivotal in September 2025 following the group’s acquisition of Believe Money Group. UK Finance data...

Latest news

FCA bans CEO over fake €200m bond portfolio

The Financial Conduct Authority (FCA) has fined and banned two former Blue Horizon Asset Management (BHAM) executives after finding they used false and misleading...

ModaMortgages trims limited-edition five-year fixed rates

ModaMortgages has reduced rates by up to 10 basis points across its limited-edition five-year fixed buy-to-let range. The specialist lender's products, which carry no application...

Providence agrees deal to acquire Hometrack

Providence Equity Partners has agreed to acquire Hometrack, the residential property valuation and risk data provider, for an undisclosed sum. Hometrack supplies digital valuation technology...

The Coventry cuts fixed rates by up to 20bps

Coventry for intermediaries has reduced every fixed-rate mortgage in its range, with lower rates available to new and existing customers. The lender has cut rates...

Family BS appoints Kirsty Dancer as Midlands BDM

Family Building Society has appointed Kirsty Dancer as business development manager for the East and West Midlands. Dancer (pictured) joins from Vitality Life and Health, where she was also a business development manager. She has about 20 years of experience...

Atom bank cuts Prime and Near Prime mortgage rates

Atom bank has reduced rates across its Prime and Near Prime mortgage ranges. All Prime rates have been cut by 0.20 percentage points with immediate effect, while Near Prime rates have fallen by 0.10 percentage points. Prime products now start...

Retirement drives more than half of financial advice enquiries

Retirement concerns account for more than half of financial advice enquiries received by Inzuzo, as consumers seek help with pensions and accessing their savings. The financial services lead generation company tracks about 150,000 UK online searches each month across...

Friends and family offer route on to property ladder for single buyers

More than half of prospective buyers would consider purchasing a home with a friend or family member as affordability pressures reshape the housing market, research suggests. A survey commissioned by the online broker Mojo Mortgages found that 52% of...

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

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’...

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 people, do not have bad days. They do not favour...

Q&As

BUY-TO-LET

StrideUp cuts HMO and MUFB finance rates and raises broker fees

StrideUp has reduced rates across its houses in multiple occupation (HMO) and multi-unit freehold...

Regional divide reshapes landlord investment plans

Landlords are reassessing where they invest as regional differences in yields, arrears and void...

Accord cuts selected mortgage rates by up to 0.18%

Accord Mortgages will reduce selected residential and buy-to-let mortgage rates by up to 0.18%...

Paragon refreshes buy-to-let range with rates from 3.55%

Paragon Bank has refreshed its buy-to-let mortgage range, introducing rates from 3.55% and products...

Marsden passes £100m Guernsey lending milestone

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

Landbay cuts buy-to-let rates and expands specialist range

Landbay has cut rates by up to 0.35% across its Premier, Core and Specialist...

HSBC lowers residential and buy-to-let mortgage rates

HSBC UK will reduce rates across a range of residential and buy-to-let mortgages from...

FIRST-TIME BUYERS

Remortgage searches rise 7% in July

Residential remortgage searches increased by 7% during July as purchase and buy-to-let activity weakened, according to Twenty7tec. The mortgage technology provider recorded 1,790,196 searches during the month, representing a 1% increase from June and little change from July 2025. Remortgage searches reached 700,628, rising by 5%...

Affordability blocking housing recovery

Improving confidence is encouraging buyers back into the housing market but affordability remains the...

Mortgage rate reversal wipes out July cuts

Average mortgage rates increased during July, reversing the reductions recorded a month earlier, according...

House price growth slows to 0.1%: Lloyds

UK house prices remained unchanged in July as higher mortgage rates and global economic...

Is there such thing as a ‘typical borrower’ anymore?

What is a typical borrower? A few decades ago, it would have been a...

OPINION

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...

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...

Private credit has reached its next stage of maturity

Every lending market experiences moments that prompt uncomfortable questions. A high profile default, allegations...

Your clients aren’t being stolen… they’re being handed over

Let's be honest about something the industry won't say out loud. Lenders going direct aren't the problem. Brokers are. Every year the same conversation happens. Lenders are cutting out the intermediary. Technology will replace the adviser. Comparison sites are coming for your clients. The trade...

AI is changing banking but trust will define who succeeds

For the past three years, the conversation around artificial intelligence in financial services has been dominated by technology. Every week seems to bring another...

DISTRIBUTION

GB Bank joins Mortgage Advice Bureau lender panel

Mortgage Advice Bureau has added GB Bank to its lender panel, giving its advisers...

TPFG financial services revenue rises to £13m

The Property Franchise Group (TPFG) increased financial services revenue by 10% to £13m during...

Stonebridge overhauls protection sourcing platform

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

MortgageMatch launches AI-ready broker directory

MortgageMatch.org has launched a consumer-facing platform designed to make finding and comparing mortgage brokers...

TMG adds Handelsbanken to mortgage lender panel

TMG Mortgage Network has added Handelsbanken to its lender panel, giving advisers access to the bank's relationship-led mortgage proposition and UK branch network. The agreement, effective from 3 August 2026, broadens the range of options available to TMG advisers working with borrowers whose circumstances may...