adverse credit

Atom bank reduces Near Prime mortgage rates

Atom bank has announced further reductions across its Near Prime residential mortgage range, with...

LendInvest cuts rates and revamps credit criteria

LendInvest has announced a series of changes to its residential mortgage offering, cutting fixed...

The Mansfield raises LTV to 90% for debt consolidation and eases credit repair rules

Mansfield Building Society has reinstated its 90% loan-to-value (LTV) cap for debt consolidation cases...

Pepper Money reduces rates across entire range

Pepper Money has cut rates across its entire product range, with reductions of up...

Buckinghamshire BS renames product ranges amid criteria update

Buckinghamshire Building Society has made a series of product updates and criteria improvements. As part...

Together completes sub-performing loan securitisation

Together Financial Services has completed its new Brooks Asset Backed Securitisation 2 Limited (BABS2)...

Atom bank ups maximum near prime LTV

Atom bank has increased the maximum loan-to-value (LTV) available on its Near Prime range...

Pepper Money unveils limited edition remortgage cashback

Pepper Money is helping customers with recent adverse credit to boost their cashflow, with...

Norton Home Loans partners extends access to specialist solutions

Norton Home Loans has partnered with broker London & Country (L&C) Mortgages to widen...

Atom bank breaks Near Prime record

Atom bank has reported another record-breaking month for Near Prime activity. Over the course of...

Loughborough BS extends 5.5x income to 95% LTV

Loughborough Building Society has increased the loan to value (LTV) on its 5.5x income...

Atom Bank cuts near prime mortgage rates

Atom Bank has announced rate reductions across its near prime residential mortgage range. The lender...

Pepper Money unveils 20bp mortgage rate reductions

Pepper Money has cut the price of every mortgage product in its range by...

Bluestone Mortgages ups LTV limits to 90%

Bluestone Mortgages has raised its loan-to-value (LTV) bandings, now offering mortgages of up to...
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COMMENT

Technology

If AI gives us more time to think, we must learn how to think well

The great promise of AI in financial services is usually expressed in terms of what it can remove. Less administration, less duplication, fewer manual...

The right scrutiny is a precursor of growing lending safely

Credit markets have always had to accommodate change, but there are periods when the assumptions on which they have been built begin to move...

Only one in five of your clients thinks your fee was justified

You know the moment. 40 minutes in. Gone well. They like you, you like them, everyone's getting on. Then you have to say the fee. And...

I’m 49. My dad’s 73. Between us we’ve found the hole in later life lending

I turn 50 in December, and the marketing has already started. Funeral plans, over-50s life cover, “guaranteed acceptance” adverts wedged between the football highlights....

Buying scale was phase one. What happens next?

Mortgage distribution is in a race for scale. Capital wants market share. Consolidators want distribution. Networks want advisers. Good businesses are commanding serious valuations. If I...

Latest news

News

Mortgage lending availability falls as banks anticipate recovery in demand

Mortgage credit availability and demand for house purchase and remortgaging all declined during the...
Later Life

L&G broadens adviser training to cover retirement and estate planning

L&G has extended its Adviser Academy webinar programme to help financial advisers address a...
News

Four in five homeowners have taken no action to protect against extreme weather

Almost eight in 10 homeowners have made no specific preparations to protect their properties...
News

Expat mortgage applications hampered by income verification difficulties

Almost two-thirds of mortgage brokers identify proving overseas income and affordability as the biggest...

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