Comment

Vulnerability and mortgage affordability: two sides of the same coin

Typically, affordability and customer vulnerability have sat in different parts of the business. Credit...

We need to wait to get a clearer picture

It's been a week where the political and economic backdrop has moved almost as...

Leasehold valuation reform: the consultation is asking only half the question

The Government's consultation on leasehold enfranchisement valuation rates is important because it will help...

What commonhold will mean for mortgage lenders and brokers

Commonhold is often presented as the straightforward alternative to leasehold. It removes the freeholder,...

All eyes on Thursday’s rate decision

We've seen a number of lenders increase their rates over the past week, and...

Why you need to know what sits behind the average review score

There’s a funny thing about review scores. The better they are, the less likely...

The new Chancellor wants to remove barriers to growth; he should start with housing

There was probably a degree of unintended irony in the Treasury choosing to call...

Brokers are losing the attention battle 1,000 to 3

Take a client you placed on a 5-year fix last year. Over the life...

Triple lock or no triple lock? That is not the question

The debate over the State Pension triple lock has returned. But perhaps the more...

Your clients have already asked AI

The FCA published research on 27 August showing that 56% of 18- to 40-year-olds...

The technology that matters doesn’t make the decision

We have a tendency when talking about mortgage technology to start with what it...

In our industry, competition and collaboration aren’t opposites

If there's one theme running through the market at the moment, it's the power...

We must not accept our snail’s pace home buying system

Buying a house in this country can be ridiculously slow, as a handful of...

Deferment and capitalisation rates: small percentages, large consequences

The Government is currently consulting on Leasehold enfranchisement valuation rates to determine what deferment...
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COMMENT

Expats

Harpenden’s expat move could be bigger than the numbers suggest

Harpenden Building Society’s move into expat mortgages this summer has been good news for brokers and borrowers. But I think its importance goes beyond...

We need to wait to get a clearer picture

It's been a week where the political and economic backdrop has moved almost as fast as rates themselves, and it's worth taking stock of...

Leasehold valuation reform: the consultation is asking only half the question

The Government's consultation on leasehold enfranchisement valuation rates is important because it will help determine what leaseholders pay to extend leases or buy freeholds,...

What commonhold will mean for mortgage lenders and brokers

Commonhold is often presented as the straightforward alternative to leasehold. It removes the freeholder, gives flat owners greater control and avoids some familiar problems...

Why you need to know what sits behind the average review score

There’s a funny thing about review scores. The better they are, the less likely we are to question them. If a company is sitting at...

Latest news

News

Landbay adds 11 tracker products and cuts rates by up to 15bps

Landbay has expanded its buy-to-let tracker range with 11 new products and reduced rates...
Brokers

Howden expands in North Wales with Wrexham office

Howden has opened its first commercial insurance office in Wrexham as the broker expands...
Homebuying

UK buyers reluctant to compromise despite affordability pressures

UK homebuyers remain committed to purchasing a property but are less willing than buyers...
Buy-to-let

Keystone trims buy-to-let fixed rates by up to 15bps

Keystone Property Finance has reduced pricing across a number of its buy-to-let mortgage ranges,...

PROFILES