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Latest from the Adviser forums

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Date	Post
Today, 4.22 pm	Did they ask the Accountant for "accounts to support a higher mortgage amount"? (I hate it when they say "what do my accounts need to show.....")
Today, 3.47 pm	yes Nat West too Nationwide do not allow further advances to buy another property
Today, 3.11 pm	I'm sorry, but if our lords and masters at the FCA say I can do it, I'm going to do it. I don't have a crystal ball to tell me what rates will be in 3 years, how many pay rises the client will get etc. I look at here and now.
Today, 2.56 pm	In most cases where lenders have two years profit they will use the average of two years. But, It will depend on the trade and how long they have been trading. They can check previous records in the company house. If it's 3 year old company just growing it all looks good but if it&#...
Today, 2.27 pm	Remarkable
Today, 2.20 pm	Being able to place something doesnt automatically mean you should. Its not so much that Dave is dodgy, it is more the fact that a lender saying something is affordable does not mean it is or that it should be. And you can do your compliance, tick the boxes. But you know in your head if somet...
Today, 1.36 pm	Why is Dave dodgy? If it meets lenders affordability and the client says they want go ahead, who are we to say no? I will point out that rates can go up and I will also point out that rates can go down as well but I will not tell them they cannot borrow £X because I feel they can't afford ...
Today, 1.34 pm	Hi all, I have clients who are both directors of the same company (50% Share each) and the Net profit has gone from £19,900 (in total) from £4,950 (in total). Coventry told me they can use the most recent salary each but will likely average the last 2 years net profit. Has a...
Today, 1.24 pm	I need a basic (black and white is fine) electronic note pad that I can scribble away on during a phonecall etc and then upload as a file to the relevant case folder on our NAS Preferably hard connected to our LAN, via PC (USB?) if necessary - won't be leaving my desk, solely to replace the cov...
Today, 12.59 pm	In the world of AI, all bets are off. I have a client who was on £150k a year flying the world in private jets - his job has literally gone. He has managed to get another job on £80k a year, still good but he has had to pivot his career. Another client I know who is...

Latest from the Provider/Adviser forums

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Today, 9.02 am	Foundation, the intermediary-only specialist lender, has appointed Foz Ahmad as regional account manager for the East, strengthening its support for brokers handling complex residential and buy-to-let mortgage cases. Ahmad brings 12 years of experience in the mortgage industry, having worked as bot...
Yesterday, 1.02 pm	The average five-year fixed mortgage rate has hit 6% for the first time in three years, and the number of sub-5% fixed deals fell from 1,494 at the start of September to nine by 5 October. Searches for "where to buy a house" are up 10% on August, up 70% on three months ago and up 103% on September 2...
Yesterday, 10.32 am	Pivot, the specialist real estate lender, has reduced its interest rates by 200 bps, with its bridging and development finance now starting from 6% per annum above BoE base rate. Since its management buyout in February this year, backed by Foresight Group, Pivot has broadened its lending offering, ...
Yesterday, 10.06 am	Brokers have a crucial role to play in helping more than nine in ten (93%) homeowners understand the impact of Government policy and economic changes on their finances, according to Santander UK’s latest Broker Perception Barometer1 The latest Labour budget, due on October 28, will be the fir...
Yesterday, 10.04 am	United Trust Bank (UTB) has appointed experienced asset finance professionals Jonathan (Jon) Gee and Joseph (Joe) Silva to lead its expansion into the materials handling equipment (MHE) sector as the Bank builds its new vendor finance business. Jon Gee joins UTB as Head of Materials Handling having...
Yesterday, 10.03 am	Accord Mortgages is cutting rates again on its residential new business product and product transfer range this week to offer better value to brokers and their clients. Effective from 8am tomorrow (Friday, 16 October, 2026), the range refresh for new business sees reductions of up to 0.26% on mortg...
Yesterday, 10.01 am	Hampshire Trust Bank (HTB) has increased the maximum loan-to-value (LTV) available on eligible Houses in Multiple Occupation (HMO) mortgages to 80%, giving experienced professional landlords greater flexibility as they continue to grow and optimise their portfolios. The enhancement forms part of th...
Yesterday, 10.00 am	GB Bank has launched dual legal representation to deliver a more efficient and cost-effective process for eligible buy-to-let (BTL) and bridging refinance applications on it’s simplified buy-to-let and bridging product range. The arrangement enables a single approved legal panel to act for bo...
Yesterday, 9.59 am	Cardium Law Limited has joined the Bridging & Development Lenders Association (BDLA) as an Associate Member. Cardium Law is a specialist litigation business providing legal services across construction, business and finance. The firm works with businesses of different sizes and has connections ...
Yesterday, 9.57 am	Norton Home Loans (NHL) has launched a new Premium Plan product on its 1st Charge mortgages allowing loans up to £350,000 to 85% loan-to-value (LTV). In addition, NHL has increased LTVs and maximum loans sizes on its Optimal 1 and Optimal 2 HLTV products to 85% LTV and £250,000 and &poun...

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View all press releases Latest press releases

Date	Subject
16/10/2026	Foundation appoints Foz Ahmad as new East regional account manager
15/10/2026	Mortgage rates hit 6% and buyers are asking "where to buy a house": where money goes furthest
15/10/2026	Pivot cuts rates across bridging and development finance product range
15/10/2026	Brokers are key to unlocking understanding about government policy and economic changes for nine in ten homeowners
15/10/2026	United Trust Bank Asset Finance Appoints Jonathan Gee and Joseph Silva to Develop Materials Handling Finance Business
15/10/2026	ACCORD CUTS RESIDENTIAL RATES BY UP TO 0.26%
15/10/2026	HTB increases maximum HMO lending to 80% LTV
15/10/2026	GB Bank simplifies refinancing applications with dual legal representation
15/10/2026	Cardium Law joins the BDLA as Associate Member
15/10/2026	Norton Home Loans increases maximum loan to £350k up to 85% LTV on 1st charge mortgages

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