First-time buyers

Mortgage market outlook uncertain as demand weakens

The UK housing and mortgage market continues to face uncertain conditions as geopolitical tensions...

Cambridge BS reopens Rent to Home scheme with three properties available

The Cambridge Building Society has reopened applications for its Rent to Home initiative, offering...

Mortgage myths leaving many first-time buyers stuck on the sidelines

Millions of aspiring homeowners may be delaying plans to buy because of widespread misconceptions...

The protection gap that runs all the way up the ladder

The property ladder is usually talked about in terms of deposits, equity, and affordability...

Mortgage debt hits record £1.73trn as high-LTV lending rises

The total value of outstanding UK residential mortgage lending reached a record level in...

Average deposit now exceeds annual salary in most British housing markets

Homebuyers in more than six in 10 housing markets across Great Britain now need...

Prenups move into the mainstream as younger couples seek financial clarity

Prenuptial agreements — long associated with celebrities and high net worth families — are...

Santander’s higher LTV cuts see 98% first-time buyer deal below 5%

Santander UK will lower the rate on its recently launched My First Mortgage to...

Mortgage lending jumps 16% in 2025

Mortgage lending climbed 16% in 2025 to its highest level since the pandemic as...

UK house prices steady as first-time buyers return

UK house prices edged higher in February as improving affordability and a rebound in...

Reeves backs building societies’ first-time buyer push

Chancellor Rachel Reeves has thrown her weight behind building societies’ campaign to convince aspiring...

Santander issues first offer under 98% LTV first-time buyer mortgage

Santander UK has confirmed that the first mortgage offer has been issued under its...

The Coventry cuts higher LTV fixed rates in first-time-buyer push

Coventry for intermediaries has reduced selected residential fixed rates, with changes focused on higher...

Bank of Ireland extends terms and income multiples

Bank of Ireland for Intermediaries has announced a series of enhancements to its residential...
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COMMENT

Comment

The case for tech fluency before AI adoption in the mutual sector

It often feels like there is only one conversation taking place in financial services at the moment: artificial intelligence. Whether it’s trade shows and...

Commonhold and RTM: do not mistake control for simplicity

Commonhold is presented as a fairer form of flat ownership. Right to Manage (RTM) is sometimes portrayed as a quick way for residents to...

No holidays: advice firms need a plan for a busy August

Every summer, the same quiet risk runs through the intermediary market. Advisers, case managers and administrators go on holiday. Specialist lending cases, which have...

Every rate shock is becoming a test of the modern mortgage business

Halifax, Barclays and HSBC increased selected mortgage rates by up to 0.20% this week, effective 21 July. Halifax removed its sub-4% deals entirely. Barclays'...

Your next client is probably more complicated than your last one

There's a shift happening in the mortgage market that most small firms aren't ready for. It's not about rates. It's not about the political...

Latest news

Regulation

Final call for views on FCA mortgage reforms

The mortgage industry has until tomorrow to respond to Financial Conduct Authority proposals intended...
Cover

One in five borrow to fund private healthcare

Almost one in five people who recently accessed private healthcare used a credit card...
Compliance

Digital mortgage ID checks unaffected by government U-turn

Digital identity verification used by mortgage lenders, brokers and other regulated firms is unaffected...
Building Societies

Family BS launches broker Mortgage Hub

Family Building Society has launched an online mortgage application platform designed to give brokers...

PROFILES