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Latest from the Adviser forums

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Yesterday, 6.34 pm Applied to register with them nearly a month ago. Got a call from them this evening to say that I was not registered under 'rule 20' of the FCA handbook. Pointed out that I had been advising and arranging mortgages for over 35 years and had just submitted my 6 monthly report (RAMR)to the FCA...
Yesterday, 6.07 pm AS PER TITLE TENANT LOOKING TO BUY EX COUNCIL FLAT HE RENTS FROM LL. VALUE £80K PRICE £75K HE ALSO HAS A SMALL DEFAULT VODAFONE £62 FROM DEC 2024- SETTLED DEC 2025. LOOKING FOR CONCESSIONARY PURCHASE FROM LANDLORD AT 95% - SO FAR PASSED AT 85% ONLY WITH ALDERMORE. SAME HALIFA...
Yesterday, 3.30 pm I got caught of with Newcastle BS not allowing me to port a SO mortgage. I presumed I would be able to but nope! Big ERC's too.
Yesterday, 3.00 pm A last survivor policy is not appropriate for this situation. If joint funds are gifted (£225k each), each parent creates their own independent PET. If Dad dies in Year 4, his PET fails and IHT is due immediately. A Joint Life 2nd Death policy will NOT pay out on first death, leaving the daug...
Yesterday, 2.06 pm Halifax
Yesterday, 1.40 pm Not sure about the default but could HSBC/Natwest or Coventry help
Yesterday, 1.26 pm Looking to place a purchase case at 85% ltv on residential purchase, all of clients income is from land and property and client is looking to borrow around 4.5 x income. Also has a £2500 default satisfied from 5 years ago. And has a let property, with a Nationwide mortgage and has consent to...
Yesterday, 1.23 pm Hey all,   Brain fog here due to lack of sleep.   Clients are selling their home to buy a new one, and we're having to pay the ERC to take out a new mortgage at 95% LTV.   We've already got life and CIC remaining at 24 years; the new mortgage is 39 years and circa £...
Yesterday, 12.49 pm I have a client who is selling 50% of his shares his company and will receive £2m in 24mnths. Between now and then he will receive £10k pcm for 6 months and £5.5k per month for 18 months. Plus, he will receive his salary of £116k pa. Are there any lenders who will look at th...
Yesterday, 12.20 pm Hi, Just a heads up that L&G are removing the "free" life cover that comes with CIC.  

Latest from the Provider/Adviser forums

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Today, 7.26 am Buy-to-let lender, Landbay, has today (28th October 2026) released findings from its latest landlord survey, revealing widespread concern around the prospect of further tax changes being announced in today's Budget, with many landlords having delayed investment and financing decisions ahead of the C...
Yesterday, 1.16 pm Suffolk Building Society is making two notable changes to its affordability criteria: introducing top slicing on its UK buy to let and expat buy to let mortgages, and changing the way it assesses affordability for expat residential applicants living in seven tax-free countries. Top slicing – ...
Yesterday, 11.14 am This type of finance gives you funding against the finished value of your project, upfront! Loans are provided based on the Gross Development Value of the project so you can access more capital on Day 1. Completion monies are set at 75% LTV (gross) based on current value/ purchase price, with an im...
Yesterday, 10.49 am LHV Bank has joined the second cohort of the PRA and FCA’s Scale-up Unit, strengthening its plans to grow its UK banking businesses and support the next generation of financial services innovation. The Scale-up Unit was launched in October 2025 as part of the Government’s Financial Serv...
Yesterday, 10.46 am Brickflow, the UK's leading digital marketplace for specialist property finance, has renewed its partnership with BloomSmith, the platform's exclusive VAT bridging lender. Since joining in 2025, BloomSmith describes Brickflow as integral to its strategy for connecting with brokers and originating le...
Yesterday, 10.40 am Smart Money People's UK Insurance Market Report Q3 is out this week. A point of interest to mortgage brokers and advisers offering insurance services as part of the mortgage sourcing journey is that customers continue to define a good insurance experience through ease, service and fairness. They ass...
Yesterday, 10.01 am United Trust Bank (UTB) has completed a £35.5m bridge-to-investment facility secured against a new £51.1m GDV mixed-use build-to-rent (BTR) development in South-West London. The five-year facility, provided by UTB's Structured Property Finance team, enabled the experienced developers, D...
Yesterday, 9.57 am QES enables mortgage deeds to be signed digitally and is supported by HM Land Registry Identity verification and deed signing are completed in a single digital journey, in under three minutes on average Already being used by lenders through LMS's fee-assisted remortgage service, with Panel Link ...
Yesterday, 9.54 am Terry Blackburn, Founder of The Wealthy Advisers Club, the largest protection and mortgage adviser training community in the UK with over 2,400 members, has launched his new book called ‘Adviser vs Client’ to transform protection conversations between advisers and customers. As highligh...
Yesterday, 9.25 am District & County Investments (DCI) has completed a £370,000 bridging facility to support a repeat borrower with the below market value (BMV) purchase of a four-bedroom detached property in Luton. The borrower agreed to acquire the property for £370,000 ahead of auction, with the de...

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28/10/2026 Almost 80% of landlords fear further tax changes in today’s Budget, Landbay survey reveals
27/10/2026 Suffolk Building Society makes affordability criteria enhancements for expats and landlords
27/10/2026 Positive Commercial Finance - GDV Refurb Funding!
27/10/2026 Bank with ambition: LHV Bank joins PRA and FCA Scale-up Unit to accelerate UK growth
27/10/2026 Brickflow renews exclusive partnership with VAT bridging funder BloomSmith
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27/10/2026 UTB Provides £35.5m Bridge-to-Investment Facility for £51.1m GDV South-West London BTR Development
27/10/2026 LMS goes live with Qualified Electronic Signatures
27/10/2026 Terry Blackburn launches Adviser vs Client, his new book to transform protection conversations between advisers and customers
27/10/2026 District & County Investments (DCI) provides 100% purchase price funding for repeat borrower’s £370k BMV acquisition

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