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Latest from the Adviser forums

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Today, 5.02 pm We are looking to place a client who is has a property which is 2 self contained flats, they will live in top flat and want to rent out the bottom flat.  I've been told as it is multi usage that Together is an option.  Do anyone know of any other lenders who will look at this?
Today, 4.18 pm Thanks Chewlander. L&G are the only option I've found so far. Criteria is as long as no more than 90 consecutive days in the past or any trips planned for more than 28 consecutive days they're fine. Zurich, Royal London, LV all confirmed no.
Today, 4.17 pm 'Assuming the mother isn't breaching any of the UC Means Tested Benefits (and buy buying a home it's not deliberate asset deprivation) - can't just use a normal mortgage?'Deposit can't be more than £16,000 if she's still on UC. If it is, and the deposit is in someon...
Today, 4.11 pm Yeah good points. An IVA is effectively bankruptcy in another form - insolvency. NatWest declined a case where my client's dad (who was deceased at time of the son's application) was bankrupt 20 years previous. He had a financial association with his son, the applicant, but NatWest declined ...
Today, 4.00 pm Its a tricky one as the IVA falls off the insolvency record around 3-6 months post purchase.  The credit report wont show any info once thats cycled through.  So a client could easily go to a broker/lender and chance their luck in the hope that it isnt picked up.   I suspect mo...
Today, 3.01 pm Hi  I am looking to place 400k purchase on london Shop and flat however he is FTB and buying in limited company shop is restaurent and flat also both he will get vacant possesion   Nick
Today, 2.51 pm Be careful with this. Just because a credit report no longer shows or has any trace of an IVA this doesn't mean it never happened. Lenders have the capability to go back many more years to trace IVA's, Trust Deeds, Bankruptcy etc. Stick with the lenders criteria only. Never assume because 6...
Today, 12.47 pm It is asset deprivation if she is only going on mortgage but not deeds as JBSP but will still live there.
Today, 12.46 pm Ive been added back onto a smaller lender panel after a removal for lack of due diligence on a case many years ago. I was bang to rights. Its been 3-4 years and i justified it by showing our processes are much more robust with the better tech we have and that it was very much a one off that we learn...
Today, 12.42 pm Second the recommendation to use a club to help the application, its massive and the lead time is very long so i think its worth it to know its written correctly. I also found that, like Hosk, as i was personally registered as an AR, i could simply start a new application for DA under a new limited...

Latest from the Provider/Adviser forums

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Today, 3.40 pm The Mortgage Works is cutting rates by up to 0.25 percentage points on selected one, two and five-year fixed rate products. This is the third time that The Mortgage Works has cut rates for customers this month. These latest rate cuts, for new customers, will be across The Mortgage Works’ buy-...
Today, 3.01 pm Reductions for new and existing customers across first-time buyer, home mover, remortgage and switcher ranges Third time that Nationwide has cut mortgage rates in June Nationwide’s lowest fixed rate now 4.19% for new and existing customers looking to move home Nationwide is again cuttin...
Today, 1.05 pm Are you looking to refinance your current Development/ Bridging facility to give you a longer period to sell, but your LTV requirement is too high for more conventional lenders? This Developer Exit/ Sales Bridge product allows the current lender to leave some of their debt in, secured by a second c...
Today, 1.02 pm The Right Mortgage & Protection Network has today (25th June 2026) announced the promotion of Amy Wilson to the newly-created role of Propositions Director. Amy, who joined TRM in 2015 and who most recently served as Head of Insurance, will report directly to the Board, and take responsibility ...
Today, 10.42 am Left to right: David Orbell, Tanjir Sugar (Founder & CEO, Ever North Limited), Constance Angela, pictured following the Team Leaders award ceremony. Finance Magic™, a trading style of Ever North Limited (FCA Reference: 800196), today announces the promotion of two of its commerc...
Today, 10.38 am New products include fee-assisted 70% LTV options and expanded Base Rate Tracker range. Newcastle for Intermediaries has announced the launch of a new range of mortgage products for intermediary partners, designed to provide greater choice and flexibility for borrowers across a variety of lending n...
Today, 10.36 am TAB has completed a £1.008m commercial mortgage to support the refinance of existing borrowing and release additional capital for future business growth. The transaction was introduced by Melius Commercial and secured against a portfolio of office in St Helens, Merseyside and Tamworth, Staffo...
Today, 10.12 am Paragon Bank has strengthened its buy-to-let mortgages sales team with Holly Morrison taking on the role of Business Development Manager (BDM) for Scotland. Holly will support intermediary partners across Scotland, covering the AB, DD, DG, EH, FK, G, IV, KA, KY, ML, PA, PH and TD postcode regions, ...
Today, 9.57 am London, United Kingdom – 16 June 2026 Envelop Finance has been officially named Best Commercial Broker 2026 at the Bridging & Commercial Awards, one of the most respected and influential events in the specialist finance industry. The win places Envelop Finance among the sector’s eli...
Today, 9.13 am A specialist lender has completed the refinance of a working farm after other lenders were deterred by the agricultural links and rural location of the assets. Redwood Bank successfully delivered a £1,468,800 loan secured against a portfolio of industrial units, valued at £2.5 million, ...

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25/06/2026 The Mortgage Works cuts buy-to-let rates for third time in June
25/06/2026 Nationwide cuts mortgage rates by up to 0.25%
25/06/2026 Developer Exit option for High LTV loans
25/06/2026 The Right Mortgage & Protection Network promotes Amy Wilson to Propositions Director
25/06/2026 Finance Magic™ promotes two commercial advisers to team leader
25/06/2026 Newcastle for Intermediaries expands mortgage range with new competitive products and enhanced flexibility
25/06/2026 TAB completes £1m commercial mortgage for refinance and capital raise
25/06/2026 Paragon Bank welcomes Holly Morrison as Business Development Manager for Scotland
25/06/2026 Envelop Finance Wins “Best Commercial Broker 2026” at the Prestigious Bridging & Commercial Awards
25/06/2026 Redwood takes flexible approach to £1.4m rural refinance

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