affordability

First-time buyer mortgage sales declined in London over the past decade

First-time buyer mortgage sales in London declined significantly between 2013 and 2023, as increasing...

Zoopla calls for softer stress tests to unlock homeownership for renters

Loosening lending rules with mortgage stress testing rates closer to 6-7% would help more...

FCA outlines steps to improve access to mortgages

The Financial Conduct Authority (FCA) has outlined measures to improve access to mortgages, reminding...

Marsden BS extends residential mortgage criteria

Marsden Building Society has unveiled significant additions to its residential mortgage criteria, now catering...

Loughborough BS extends 5.5x income to 95% LTV

Loughborough Building Society has increased the loan to value (LTV) on its 5.5x income...

Mortgage & rental spending rises as consumer confidence holds steady

Mortgage and rental spending increased 2.0% year-on-year in January, up from 1.8% in December,...

First-time buyer mortgage costs rise 7.3% as affordability tightens

First-time buyers are facing increasing challenges in the housing market, with mortgage costs up...

Softening in house price growth

Nationwide has reported that the annual rate of house price growth slowed to 4.1%...

Salary gains not being translated into larger deposits

Twenty7Tec has revealed that over the past few years, while salaries have increased, the...

Housing affordability still stretched despite recent wage growth

Housing affordability remains stretched by historic standards despite recent earnings growth marginally outpacing house...

Stonebridge reports further improvement in mortgage affordability

November saw mortgage affordability improve for the second consecutive month, according to new analysis...

Halifax to use a property’s EPC rating in its affordability calculations

Halifax will be using a property’s Energy Performance Certificate (EPC) rating in its affordability...

Newcastle for Intermediaries provides new products to improve affordability

Newcastle for Intermediaries has unveiled a new range of products to help those looking...

Borrowers not yet benefitting from lower costs

Borrowers are spending over two-fifths of their salary on mortgage repayments, according to new...
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Latest POLL

COMMENT

Homebuying

Collaboration, not quick fixes, must drive the next phase of reform

As we edge closer to the autumn Budget, the housing market finds itself in a familiar state of anticipation and uncertainty. Inflation remains stubbornly high,...

Goodbye Piccadilly; farewell Leicester Square!

It is indeed a long way to Tipperary, even longer if you take one of those dodgy rickshaws that proliferate the London’s West End....

Navigating the end of ‘Covid mortgages’: strategic insights for brokers

This year marks a significant turning point in the UK mortgage market as many homeowners reach the end of their covid mortgage, where many...

Why limited company lending is now the real buy-to-let mainstream

It’s funny how quickly the market changes its rhythm. Not long ago, limited company buy-to-let felt like a specialist niche, the preserve of portfolio...

TOM BILL: Lower borrowing costs offer Treasury respite

The length of the Office for Budget Responsibility’s observation window – the period when it takes a snapshot of the economy to inform its...

Latest news

Mortgages

Brokers urge 0.25% rate cut to revive housing market

Most mortgage brokers believe a small cut to the Bank of England’s Base Rate...
Buy-to-let

The Mortgage Works leads limited company BTL market as new leaderboard goes public

The Mortgage Works has been named the UK’s leading lender for limited company buy-to-let...
News

Residential transactions rise again ahead of Budget

UK property transaction figures for September suggest that market activity continues to recover, with...
Buy-to-let

CHL Mortgages to host post-Budget analysis webinar for brokers

Brokers seeking clarity on the government’s Autumn Budget will have the chance to hear...

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