Comment

Your clients can’t tell which firm they’re dealing with

Two clients walk into your firm in the same week. One of them is a...

It’s time to look at retention

As the summer winds down and the back-to-school routine kicks back in, I urge...

Landlords are buying – and advisers should take note

There has been no shortage of commentary over recent years suggesting landlords are heading...

Why energy efficiency is hiding mortgage portfolio risk

For years, ESG strategies across the UK mortgage sector have operated under a relatively...

Affordability shocks and expiring deals: why the 2026 mortgage peak demands a holistic protection review

I speak to mortgage advisers and brokers every day, and one topic keeps coming...

Why the FCA’s Protection Report is a wake-up call and a massive opportunity for advisers

According to Mortgage Advice Bureau, approximately 90% of all mortgages are secured through an...

Bank Rate holds, but the pressure is building

The Bank of England's decision to maintain Bank Base Rate (BBR) last month at...

How are we supporting the next generation of first-time buyers?

With GCSE and A-level results out over the last fortnight, it feels like the...

Let’s not get bogged down in the macro, let’s focus on the ones and twos

In challenging times such as this, it often feels like the first instinct for...

Underwriting: Are we saying “no” to the wrong risks?

Over the last two days I’ve talked about the size of the later life...

The blind spot: residential advisers and the over-55 customer

Yesterday I talked about the supportive nature of the equity release and later life...

The uncomfortable truth about the later life lending market

The headlines around the latest Equity Release Council figures released this month all suggested...

Are we actually set up to support first-time buyers?

After a summer spent thinking it over, this time of year is often the...

Leasehold reform has a September window – will Burnham use it?

At the time of writing, the Commonhold and Leasehold Reform Bill still has no...
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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