Opinions & blogs

‘Use it or lose it’ doesn’t make sense

Technology is often at the forefront of all minds, particularly when you’re an intermediary...

Will buy-to-let investors be hit by a Stamp Duty hike?

The Budget came and went with little fanfare as far as landlords, the buy-to-let...

Strategies to grow the later life lending market

Last month’s Budget announcement might have seemed like something of a ‘damp squib’ in...

Ask Anna: what if my client has set up a Trust?

Q: My portfolio landlord client is looking to refinance in order to reduce monthly...

Why property surveys should matter to brokers

It’s understandable why many borrowers prefer to stick simply to the mortgage lender’s valuation....

Push positive first-time buyer messages out there

Prospective first-time buyers might look at the current housing market situation and wonder if...

Green is the colour – but who pays?

The government’s recent proposals on how it intends to encourage ‘green’ home improvements amongst...

When it comes to managing debt, Income Protection can make all the difference

Last year, the average UK resident had approximately £6,757 in financial savings, a concerning...

A business development meeting of minds can set the plan for great things

2021 has been a year – especially for mortgage advisers – during which I...

Automation won’t cut out the adviser

Automation is a growing trend within the insurance industry and some advisers might feel...

The employed vs self-employed adviser conundrum

I recently stumbled across a bit of a saga/debate/discussion/part-soap opera around self-employment within the...

Time to define ‘niche’?

In days of old, the word niche was a catch-all way of describing anything...

We need more competition in 95% LTV marketplace

With the stamp duty holiday now over in England and a sense of normality...

Gain a full understanding of the second charge sphere

It’s no secret how hard it currently is to secure the services of a...

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Navigating a changing buy-to-let landscape in 2025

The buy-to-let market has long been a cornerstone of the UK property sector, but recent trends and upcoming policy changes are reshaping the landscape. For...

Heavy refurbishment: structuring finance for complex property upgrades

Investors are rethinking their approach to property - heavy refurbishment is no longer just an option; it’s a necessity for unlocking value in today’s...

Why predicting 2025 interest rates feels like a fool’s errand

In my first (and for some reason clearly not my last) article last month, I attempted (perhaps foolishly) to discuss where rates might go...

Helping university students onto the property ladder

As we head towards the Easter break, thousands of first-year university students up and down the country will be preparing for exams and making...

Lenders must step up on high LTV products

Things are on the up for borrowers with a smaller deposit. The financial information website Moneyfacts publishes a regular update on mortgage product numbers,...

Latest news

L&C Mortgages appoints Sidney Wager as managing director

L&C Mortgages has confirmed that Sidney Wager is to join the business as managing...

No surprises from Monetary Policy Committee meeting

The Bank of England has announced that the Bank Rate will remain at 4.5%. The...

Gatehouse Bank added to Mortgage Brain sourcing platforms

Mortgage Brain has added Shariah-compliant ethical bank, Gatehouse Bank, to its Sourcing Brain and...

InterBay makes key sales appointments

Commercial lender InterBay, part of OSB Group, has bolstered its broker support with the...