Santander unveils 98% LTV five-year fix for first-time buyers

Santander UK has launched a new five-year fixed mortgage at 98% loan-to-value aimed at helping first-time buyers with smaller deposits onto the property ladder. The new product, branded My First Mortgage, is priced at 5.19% and comes with no...

Latest news

Clydesdale Bank raises selected residential mortgage rates

Clydesdale Bank is increasing a number of residential fixed mortgage rates across its core, professional and broker exclusive ranges, with changes taking effect on...

Buckinghamshire BS broadens Credit Revive range

Buckinghamshire Building Society has expanded its Credit Revive range with new products aimed at borrowers with historic credit issues, extending support to buy-to-let landlords...

Precise widens interest-only criteria with higher LTV and no equity floor

Specialist lender Precise has expanded its residential interest-only proposition, increasing maximum loan-to-value limits and removing a longstanding minimum equity requirement. The lender has raised interest-only...

Conveyancing costs ease as market slowdown bites at end of 2025

The average cost of conveyancing for home movers fell sharply in the final quarter of 2025 as transaction levels slowed ahead of the Autumn...

RAW Capital Partners streamlines interest payments for overseas landlords

RAW Capital Partners has updated its mortgage proposition to allow foreign national borrowers to service interest payments directly from a UK bank account. The specialist lender said the change is designed to reduce the cost and administrative burden associated...

Landlord profits hold up but cracks widen as yields ease

Most landlords remain in profit, but the gap between higher-yielding portfolios and more traditional models continues to widen. Most landlords continued to report profitable lettings activity in the final quarter of 2025, despite a modest softening in returns, according...

Atom bank introduces rate discount for high coverage commercial mortgage cases

Atom bank has launched a new pricing incentive for commercial mortgage borrowers with strong debt service or interest coverage, offering a rate discount on higher quality cases. The digital lender has introduced a 0.25% rate discount for commercial mortgage...

Abandoned mortgage value jumps to £32.4bn

Home buyers walked away from more than £32 billion of agreed mortgage lending last year as delays and failed transactions continued to weigh on the housing market. The value of abandoned mortgages rose by more than a third in...

PROFILE

Louisa Sedgwick on Paragon and the future of buy-to-let

Three decades into a career she never really planned, Louisa Sedgwick sits at the helm of one of the most closely watched businesses in...

INDUSTRY COMMENT

Cashback, remortgages and adviser opportunity in 2026

A recent flood of mortgage products into the market offering cashback prove it has moved from the margins of the remortgage market to the...

Autonomous AI is waiting for us

The UK rightly prides itself on having one of the most respected financial services sectors in the world but even strong markets benefit from...

TOM BILL: Rate cut expectations fade amid mixed signals

Borrowing costs have risen in recent weeks for reasons that include stronger-than-expected UK economic data and tempering the outlook for cheaper mortgages. However, an uncertain...

Think you know CeMAP? Maybe it’s time to think again

Anyone who wants to work as a mortgage adviser in the UK needs to hold qualifications that are recognised by the FCA and, for...

Second charge mortgages set for another strong year in 2026

A few weeks into 2026, the direction of travel for the second charge mortgage market is already clear. Momentum has carried over from last...

There’s no room for complacency, it’s time for collaboration

Last year the government announced a proposal to reform the home-buying system in a bid to speed up the property transaction process, cut costs...

Q&As

BUY-TO-LET

Paragon extends new build offer validity and updates dashboard

Paragon Bank has updated its new build buy-to-let proposition while also launching a redesigned...

Russell Quirk becomes Property Investor Show shareholder

Russell Quirk is to become a shareholder in the Property Investor Show, strengthening his...

Fleet Mortgages adds 65% LTV products and cuts two-year pricing

Fleet mortgages has launched a new range of 65% loan-to-value mortgage products and cut...

Coventry for intermediaries trims limited company rates

Coventry for intermediaries has reduced rates across its limited company buy-to-let range, cutting prices...

Primis brokers in Wales and South confident for 2026

Almost eight out of 10 Primis brokers in Wales and the South expect to...

Saffron launches Large HMO BTL product with no bedroom cap

Saffron for Intermediaries has launched a Large HMO buy-to-let product designed to give brokers...

New breathing space loan for landlords under pressure

Somo has launched a new bridging product supporting landlord clients facing rising costs, regulatory...

Ground rents to be capped at £250 for leaseholders

Ground rents for leaseholders in England and Wales are set to be capped at...

MORTGAGE MINGLE PODCAST

NEWSLETTER SIGNUP

FIRST-TIME BUYERS

Millions of homes still fail decency tests despite energy gains

Millions of homes in England continue to fall short of basic quality standards even as energy efficiency across the housing stock shows marked improvement, according to the latest English Housing Survey. The 2024-25 findings show that around 4 million dwellings – 15% of the total...

UK housing market steadies as tax-driven volatility fades

UK property transactions stabilised at the end of 2025, with residential sales holding firm...

Government policies undermining housing targets

Government intervention is actively undermining the UK’s ability to meet its housing targets as...

Intergenerational gifting reaches record level among equity release customers

More retirees are using equity release to support family members and fund improvements that...

Mortgage pressure eases as rates fall

Mortgage affordability is on track to return to levels last seen in 2021 offering...

OPINION

Why the collapse of US auto finance lenders matters for UK mortgages

You might wonder why a car loans provider across the Atlantic has anything to do with UK mortgages – on the face of it,...

Lenders that adapt to customer and broker needs will be the winners

For UK mortgage brokers, the choice of lender partner has never been more important. In...

First-time landlords and first-time buyers are still entering the market

Despite the upheaval, new entrants have not vanished. First-time landlords are still active and,...

36 more pay cheques before you’re made redundant

Imagine getting that email in your inbox first thing this morning! I tell you what: for the sake of another thought-provoking, rib-jabbing article, let's pretend that you did. What would you do? How would you react? Most likely you would go through the usual rollercoaster of emotions...

What could shape buy-to-let in 2026 and the impact for advisers

As we move slowly into 2026, the buy-to-let market feels more settled than it has for some time. That does not mean it is...

DISTRIBUTION

Rosemount Financial Solutions reports record growth in 2025

Rosemount Financial Solutions (IFA) has reported a record-breaking year in 2025, with revenues rising...

Uinsure names Phil Carr to head intermediary distribution push

Uinsure has appointed Phil Carr as intermediary director as it steps up investment in...

Paradigm promotes Richard Howes to managing director role

Paradigm Mortgage Services has promoted Richard Howes to a newly created managing director position...

Stonebridge posts sector-leading network growth

Stonebridge has recruited more firms than any other mortgage and protection network for the...

MT Finance cuts commercial rates and unveils 80% LTV HMO deal

MT Finance has reduced rates across its commercial lending range while unveiling a new limited-time HMO proposition offering up to 80% loan-to-value on 5-year fixed-rate products for properties of up to eight bedrooms. The latest changes are aimed squarely at professional investors seeking higher-yielding assets,...