Features

Are we at an EPC crossroads?

As the government continues to be occupied by the fallout from the mini-Budget, the...

Make the most of that opportunity right now

For context, this piece was written on the afternoon of Friday 14th October. Given what...

Among all the rate changes, criteria is still king

As brokers know only too well, the mortgage market is moving at an extraordinary...

Thriving through culture

The Covid pandemic provided businesses with a unique set of challenges. Some closed down...

Advisers, I salute you

When the history of this period in the mortgage/housing market is written, I hope...

You get what you pay for with free legals on remortgage cases

As an industry, there is little question that mortgage brokers deliver excellent value for...

Rate rises and cutting down on the client payment shock

Thursday 22 September 2022 was something of a momentous day given the Bank of...

The Scottish government’s rental freeze is a wrong move

This is an important time for the buy-to-let market and the wider private rental...

Housing will be part of any energy strategy

Few issues appear as pressing at this moment than the increase in the cost...

How intergenerational mortgages could help FTBs

20 years ago it was fairly commonplace to buy your first home when you...

HMOs – the answer to an over-stretched rental market?

The UK private rental sector (PRS) is going from strength to strength, with demand...

Second charges – first choice for debt consolidation?

According to The Money Charity, as of June 2022 average credit card debt in...

Intergenerational lending will only become more prominent

Over the course of the last couple of decades, stagnant wages and rising house...

Summer presents opportunity for mortgage service catch up

August is peak holiday time and there’s no doubting that due to this, and...

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