Comment

When the market gets messy, control matters more than ever

There is a tendency to look at the current market and focus purely on...

The human adviser in an AI mortgage market

NatWest’s decision to place home-buying guidance inside ChatGPT is a story with large implications. It...

Volatility is back – but it has been part of buy-to-let for years

For many, the level of uncertainty we’ve had in the mortgage market over the...

Plugging the first-time buyer knowledge gap

A couple of weeks ago, I found myself down at my local, surrounded by...

Lifting and shifting to the cloud isn’t real transformation

As we gear up to spend time at the Building Societies Association Annual Conference...

Beyond the walk: Mortgage leaders talk mental health – part 1

The Mortgage Industry Mental Health Charter (MIMHC) is hosting its third annual 144-mile Walk...

Portfolio landlords reshape buy-to-let market

Portfolio landlords are becoming increasingly central to the buy-to-let market as investors take a...

Supporting complex cases in a modern mortgage market

In today’s diverse mortgage landscape, brokers are working with a growing number of clients...

Busting the myths that stop homeowners protecting their income

In my role at LifeSearch, I spend a lot of time talking to mortgage...

The 4.3 million borrowers your pipeline is probably missing

There are 4.3 million self-employed workers in the UK and nearly one in five...

Stop tinkering: Why mortgage tech needs a proper overhaul

Let’s be honest. If you work in the UK mortgage market right now, you...

This is a different mortgage market and borrowers are reacting to it

It is important to be clear about what has changed in the mortgage market...

The rise of larger deposits

The first-time buyer profile is changing. Increasingly, buyers are entering the market with larger...

Is life insurance too confusing to buy?

While there are peaks and troughs depending on where we look, the UK life...

COMMENT

Commonhold reform: Devil in the detail

The government's language on leasehold reform remains forthright. Ministers speak of, “bringing the feudal leasehold system to an end,” of returning power to homeowners...

Managing cashflow and risk in today’s turbulent market

Over the past decade buy-to-let landlords have become accustomed to operating in a market where it can often feel like change is the only...

Is there such thing as a ‘typical borrower’ anymore?

What is a typical borrower? A few decades ago, it would have been a salaried employee, single source of income and, most likely, a...

Private credit has reached its next stage of maturity

Every lending market experiences moments that prompt uncomfortable questions. A high profile default, allegations of poor governance or a significant loss inevitably lead to...

Your clients aren’t being stolen… they’re being handed over

Let's be honest about something the industry won't say out loud. Lenders going direct aren't the problem. Brokers are. Every year the same conversation happens....

Latest news

Commonhold reform: Devil in the detail

The government's language on leasehold reform remains forthright. Ministers speak of, “bringing the feudal...

TMG reports record monthly MetLife submissions

TMG recorded its highest monthly submission volume with MetLife, exceeding its previous record by...

Leek raises earned income age limit to 75

Leek Building Society has introduced eight lending criteria changes covering income, contractors, later-life borrowing...

Coventry cuts residential and buy-to-let rates

Coventry for intermediaries has reduced selected residential and buy-to-let mortgage rates for new and...

PROFILES