affordability

Call for ‘truthful rethink’ on housing affordability as experts criticise outdated metrics

A leading housing expert has criticised the industry’s approach to affordability, warning that outdated...

UTB cuts mortgage rates and raises LTI cap to 6x income

United Trust Bank (UTB) has reduced rates across its entire residential mortgage product range...

Nationwide lowers income threshold for Helping Hand

Nationwide Building Society has reduced the minimum income requirement for sole applicants using its...

Barclays offers zero deposit mortgage for Right to Buy applicants

Barclays will no longer require a deposit from borrowers purchasing a home under the...

Don’t knock 100% mortgages – they’re viable and necessary

I’ve read a lot of commentary over the past few weeks on the return...

Santander cuts affordability rates following FCA guidance

Santander UK has become the first major lender to reduce its residential mortgage affordability...

Four out of 10 first-time buyers face stamp duty bill

Thousands of first-time buyers in England will face higher upfront costs when purchasing a...

Housing affordability returns to pre-pandemic levels

Housing affordability in England and Wales has returned to levels last seen before the...

Loughborough BS unveils Universal Credit Calculator

Loughborough Building Society has launched its Universal Credit Calculator to help brokers assess affordability...

Mortgage affordability continues to weaken

January saw a weakening in mortgage affordability weakened for the second month in a...

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...
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COMMENT

MIMHC

Beyond the walk: Mortgage leaders talk mental health – part 9

The Mortgage Industry Mental Health Charter (MIMHC) is hosting its third annual 144-mile Walk & Talk challenge from 10-15 May. There are now 72...

When the market gets messy, control matters more than ever

There is a tendency to look at the current market and focus purely on activity levels, particularly after the recent spike driven by lender...

Beyond the walk: Mortgage leaders talk mental health – part 8

The Mortgage Industry Mental Health Charter (MIMHC) is hosting its third annual 144-mile Walk & Talk challenge from 10-15 May. There are now 72...

Beyond the walk: Mortgage leaders talk mental health – Part 7

The Mortgage Industry Mental Health Charter (MIMHC) is hosting its third annual 144-mile Walk & Talk challenge from 10-15 May. There are now 72...

Beyond the walk: Mortgage leaders talk mental health – part 6

The Mortgage Industry Mental Health Charter (MIMHC) is hosting its third annual 144-mile Walk & Talk challenge from 10-15 May. There are now 72...

Latest news

News

Pepper Money reshapes sales leadership team

Pepper Money has made a series of changes to its sales leadership structure as...
News

Vida expands residential range and relaunches buy-to-let products

Vida Homeloans has expanded its lending proposition with the reintroduction of 20 residential products...
networks

Gatehouse Bank joins The Right Mortgage panel

The Right Mortgage & Protection Network has added Gatehouse Bank to its lender panel,...
Compliance

JammJar adds identity verification through Entrust partnership

JammJar has partnered with Entrust to allow mortgage brokers to complete automated identity verification...

PROFILES