adverse credit

UTB expands residential offering with new super prime and specialist tiers

United Trust Bank has expanded its residential mortgage proposition with the launch of two...

Brokers urge stronger borrowing education as near-prime demand grows

Brokers are calling for greater investment in financial education after reporting a sharp rise...

Gen H widens credit criteria to support more first-time buyers

Residential mortgage lender Gen H has extended its internal credit criteria in a move...

Quantum Mortgages set to expand into specialist residential lending

Quantum Mortgages is preparing to enter the specialist residential mortgage market, extending its lending...

Q&A: Richard Harrison, Atom bank

Mortgage Soup fires the questions at Richard Harrison, head of mortgages at Atom bank. Mortgage...

Precise widens access to high LTV lending with new build focus

Precise has announced a series of changes to its residential range as the specialist...

The Loughborough overhauls adverse lending range

Loughborough Building Society has reshaped its adverse lending proposition in an effort to give...

Shawbrook increases loan-to-income ratio to 5.5x across TML and Bluestone

Shawbrook has increased its maximum loan-to-income ratio from 4.5x to 5.5x income, extending the...

Brokers need more lender choice to meet real-life borrower needs

With more borrowers falling outside traditional lending criteria, brokers need a wider range of...

Vida eases criteria to widen access to homeownership

Vida Homeloans has introduced two changes to its lending criteria aimed at increasing flexibility...

Atom bank widens near-prime range with new fee tier

Atom bank has expanded its near-prime mortgage offering with the introduction of a new...

Why rigid credit scoring is locking too many people out of homeownership

Some people don’t fit the mould. That’s always been true in mortgage lending. But...

Opening doors for credit-worthy but overlooked clients

It doesn’t take much these days for a borrower to feel they’ve fallen out...

LendInvest cuts residential mortgage rates by up to 15bps

LendInvest Mortgages has reduced rates by up to 15 basis points across its Premier...
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COMMENT

Comment

Rates are moving and regulation is evolving

Many lenders are having to increase their rates, and that trend looks set to continue over the coming week. For clients whose current deal...

Building tomorrow’s mortgage market: AI built on trust, governance and confidence

The government's Financial Services AI Adoption Plan, led by Harriet Rees, group chief information officer at Starling Bank, and Dr Rohit Dhawan, group director...

The protection prompt: what AI still needs to get right

The Mills Review has prompted plenty of discussion across the mortgage industry. While much of the focus has been on the finding that a...

Why second charges are helping Right to Buy borrowers do more with their home

For many people, Right to Buy is still one of the most accessible ways to become a homeowner and over the last five years,...

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...

Latest news

Technology

Twenty7tec links Advice platform with ZeroKey to cut rekeying

Twenty7tec has integrated its Advice platform with ZeroKey in an effort to reduce the...
News

Broker Conveyancing launches £175 remortgage package

Broker Conveyancing has introduced a fixed-price remortgage conveyancing package through its new online hub. The...
Building Societies

Buckinghamshire BS cuts residential and specialist rates

Buckinghamshire Building Society has reduced mortgage rates across its residential and specialist lending ranges,...
Regulation

Final call for views on FCA mortgage reforms

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

PROFILES