affordability

UTB cuts second charge mortgage rates by up to 55bps

United Trust Bank (UTB) has reduced rates across a selection of its second charge...

Analysis: Market shock pushes fixed rates towards imminent rise

With the crisis in the Middle East showing no signs of abating any time...

Mortgage borrowing dips as approvals ease

Mortgage borrowing slowed at the start of the year with approvals for house purchases...

Bank of Ireland extends terms and income multiples

Bank of Ireland for Intermediaries has announced a series of enhancements to its residential...

Beverley Building Society launches RIO Lifetime Discount Mortgage

Beverley Building Society has expanded its later life proposition with the launch of a...

Manchester dominates first-time buyer lending as Worcester surges

Manchester has become Britain’s most first-time buyer-heavy mortgage market outside London with seven in...

Consumer confidence ticks up as spending outlook improves

Consumer confidence rose for a third consecutive month in February with households reporting improved...

Buyers gain edge as listings rise

February is on track to record the highest number of new property listings for...

Second charge lending tops £2.14bn

The UK second charge mortgage market surpassed £2.14bn in new lending during 2025 with...

Average mortgage LTV drops to 59% as housing equity swells by £677bn

The average loan-to-value ratio on mortgaged properties across the UK now stands at 59%,...

Norton streamlines broker submissions with online DIP and ONS-based affordability model

Norton Home Loans has introduced an online decision-in-principle and a new two-tier affordability assessment...

Academics warn housing shortage is entrenching poverty as affordability pressures mount

A shortage of social and affordable housing is trapping lower income families in poverty...

LiveMore integrates with Twenty7tec affordability tool

LiveMore has integrated its affordability assessment into Twenty7tec’s RESEARCH tool in a move designed...

Family boosts buy-to-let borrowing by up to 35%

Family Building Society has enhanced its buy-to-let affordability assessment, increasing potential borrowing by up...
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COMMENT

Comment

How advisers can find and secure powerful introducers to grow their business – Pt2

I hope you found my earlier article useful and enlightening and if so, please read on, as in this piece I complete the steps...

What building the future means for mortgages

Earlier this month I attended the Abundance 360 summit in Los Angeles, Peter Diamandis’s annual gathering of entrepreneurs, scientists, tech CEOs and investors who are,...

Five things brokers across the country are telling me right now

The thing I’ve always enjoyed most about working in the specialist mortgage market is the people. I’m lucky that a big part of my job...

The FCA has made the case for holistic mortgage advice

Last Thursday, the head of the FCA stood up at the JP Morgan Pensions and Savings Symposium and dropped a line that deserves more...

Technology’s biggest challenge is not the one you think

There is a version of the mortgage technology story that gets told at conferences and in trade press with some regularity. It involves platforms, disruption...

Latest news

News

Millions unclear on cost of credit as gaps in financial understanding persist

Millions of UK adults are using credit without fully understanding borrowing costs or how...
House prices

UK house price growth slows as London slips into decline

HM Land Registry’s latest UK House Price Index shows the average property price across...
Regulation

FCA to extend conduct rules to cover bullying and harassment

Mortgage brokers, lenders and other regulated firms will have to tighten their internal conduct...
New build

Solar and heat pump rules could push up mortgage prices

New rules forcing developers to install solar panels and low-carbon heating systems on most...

PROFILES