Commonhold and RTM: do not mistake control for simplicity

Commonhold is presented as a fairer form of flat ownership. Right to Manage (RTM) is sometimes portrayed as a quick way for residents to remove a difficult landlord or managing agent and take control of their building. Both...

Latest news

Beverley enhances SIPP income assessment

Beverley Building Society has introduced a tiered approach to assessing income from self-invested personal pensions, giving brokers greater flexibility when placing later life cases. The...

Conveyancing costs hold at 0.53% of house prices

Conveyancing costs remained unchanged as a proportion of UK house prices during the year to April despite an increase in average fees, research from...

No holidays: advice firms need a plan for a busy August

Every summer, the same quiet risk runs through the intermediary market. Advisers, case managers and administrators go on holiday. Specialist lending cases, which have...

OPDA welcomes Rayner’s return to housing brief

The Open Property Data Association has welcomed Angela Rayner’s return as housing secretary and called for continuity in the government’s work to modernise the...

UTB widens buy-to-let criteria

United Trust Bank Mortgages has introduced a package of buy-to-let criteria changes aimed at helping brokers place a broader range of landlord cases. The changes, which took effect yesterday (July 20), include longer mortgage terms, day-one remortgages and wider...

JammJar appoints Kieren Pace to lead customer support

Mortgage technology provider JammJar has appointed Kieren Pace as customer success manager as six firms prepare to adopt its platform. Pace joins the company with more than nine years' experience in mortgage technology, having held several roles at 360...

Landlord company formations hit record high

The number of landlord companies incorporated annually in Britain has risen by more than 1,700% since 2000, according to an analysis of Companies House records. Research by specialist insurer Just Landlords found that 34,128 landlord businesses were registered in...

Lenders turn to live data as mortgage searches rise

Twenty7tec and Saffron Building Society have examined the growing use of real-time market intelligence in mortgage lending as adviser demand continues to shift. The latest episode of Twenty7tec's ELEVATE podcast considers how lenders can use current market data to...

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

Every rate shock is becoming a test of the modern mortgage business

Halifax, Barclays and HSBC increased selected mortgage rates by up to 0.20% this week, effective 21 July. Halifax removed its sub-4% deals entirely. Barclays'...

Your next client is probably more complicated than your last one

There's a shift happening in the mortgage market that most small firms aren't ready for. It's not about rates. It's not about the political...

Why post-contract variation is becoming the mortgage market’s next battleground

For much of the past decade, mortgage technology investment has focused on origination and with good reason. Faster decisions in principle, automated affordability assessments,...

Expect more movement in the coming days and weeks

Swap rates moved again last week, and brokers who get ahead of this by reaching out to clients now will be doing them a...

Will we look back at Q2 as the most stable quarter of 2026?

The first half of 2026 has reminded us how quickly sentiment can change within the mortgage and housing markets. After a fairly stable and promising...

A steadier second half of 2026 in sight?

The first half of 2026 has been a reminder that the mortgage market does not operate in isolation. While domestic economic conditions have remained...

Q&As

BUY-TO-LET

Together raises £563m through latest residential mortgage securitisation

Together has completed the pricing of a £562.9 million residential mortgage-backed securitisation, marking its...

LendInvest posts record £1.44bn lending year

LendInvest recorded its strongest ever year for lending in the 12 months to 31...

Fleet Mortgages broadens buy-to-let criteria for foreign nationals and limited companies

Fleet Mortgages has widened its lending criteria for buy-to-let borrowers, introducing greater flexibility for...

Buy-to-let lending remains ahead of last year despite slower start to year

Buy-to-let lending increased in the first quarter of 2026 compared with a year earlier,...

UTB streamlines buy-to-let mortgage process with broker-focused operational changes

United Trust Bank has introduced a series of operational enhancements to its buy-to-let mortgage...

Landbay launches telephone sales team to support broker applications

Landbay has launched a dedicated telephone sales team to provide additional support to brokers...

Nearly one in five private rented homes have left the sector in the past decade

Almost 850,000 homes that were once part of the UK's private rented sector have...

Together launches lower-rate portfolio lending proposition for larger buy-to-let landlords

Together has introduced a new lower-rate lending proposition for portfolio landlords seeking more than...

NEWSLETTER SIGNUP

FIRST-TIME BUYERS

Gen H highlights interest-only option for first-time buyers with variable incomes

A London couple working in hospitality used a part repayment, part interest-only mortgage to create greater flexibility in their monthly budget despite being able to borrow more on a conventional repayment basis. Residential lender Gen H has published a case study demonstrating how a part...

Six-times salary lending quadruples as lenders loosen affordability

The number of mortgage lenders willing to offer loans worth six times a borrower's...

Market Harborough reveals £120m Gen H mortgage portfolio acquisition

Market Harborough Building Society has acquired a £120m residential mortgage portfolio from Gen H...

Bank of Ireland expands JBSP mortgage criteria

Bank of Ireland for Intermediaries has widened its Joint Borrower Sole Proprietor (JBSP) mortgage...

Mortgage demand slows in second quarter as higher rates hit affordability

Higher borrowing costs weighed on mortgage demand during the second quarter, although Stonebridge says...

OPINION

How brokers can secure better client outcomes in a volatile market

Experience has always counted in the mortgage market. Brokers who worked through the financial crisis, the Covid pandemic, the Liz Truss mini-Budget and cost-of-living...

Housing reform needs a thriving private rental sector, not just a thriving sales and purchase market

One of the most encouraging developments over recent weeks has been the renewed focus...

The economics of developing the next generation of advisers

Over the past couple of decades, I have worked alongside literally thousands of AR...

Is Andy Burnham the New Messiah or just Starmer with better eyebrows?

What a damning indictment of Labour that Andy Burnham appears to be strolling towards the leadership in what looks less like a contest and more a coronation. When your greatest obstacle is finding 81 MPs prepared to nominate an alternative, democracy starts resembling a...

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...

DISTRIBUTION

TMG boss promises Bank Holiday Monday if England reach World Cup final

TMG mortgage network founder and CEO Scott Thorpe has pledged to give every member...

Omni Protect becomes first service provider to adopt Beagle Street intermediary proposition

Omni Protect has become the first service provider for directly authorised firms to offer...

Molo strengthens leadership team with chief operations officer appointment

Molo has appointed Lynne French as chief operations officer as the specialist mortgage lender...

Brilliant Solutions partners with Box Socials

Brilliant Solutions has partnered with Box Socials to give its members discounted access to...

Uncertainty means greater need for client conversations

Last week showed just how quickly events on the other side of the world can find their way into our industry, with swap rates reacting to the breakdown of the US-Iran ceasefire. We don't know how the situation will develop from here, but we do...