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Today, 7.25 pm Dissident I would guess 1) RIO is not liked due to higher cost 2) Repaymennt over 12 years will not be afffordable   I do like you point about not downsizing in 5 years time..   (At least no one has mentioend - "why didn't she overpay when interest rates were low" ;) )...
Today, 6.30 pm I think a lot of lenders have a policy where if the original purchase was an AVM then any Additional Borrowing application will need a physical inspection.     Did one last month where we did the purchase a year ago for 300k on an AVM,  apply for 20k additional borrowing and va...
Today, 5.04 pm Perhaps AI has got it in for you.  Seriously though, spams, marketing, surveys, it's such a time wasting exercise to perform every day.
Today, 4.58 pm Is this debt con case or just switching over an existing mortgage? Maybe she planned to downsize at 63 but now decided to wait another 5 years. What if she changes her mind about downsizing in another 5 years? Why not suggest 12 years to age 75 and if she does downsize after 5 years it's not a...
Today, 4.22 pm Santander did allow £250K of Equity for Downsizing...   Can she afford Split Repyament/IO to meet the lenders minimum Equity Requirement?   (£25K/£300K - but you might need lower IO.... if £250K is not felt to be sufficent to buy a suitable home in the area)
Today, 4.11 pm Client owes £325000 and is looking to remortgage , property worth £550,000 and wants IO for another 5 years before downsizing. She is 63. She also owns a btl with £350,000 equity in. She earns £92000 pa, but I can find a lender who will lend with the combined equity of the r...
Today, 3.39 pm But it is what you'll end up with if any of your clients end up with them for free legals ðŸ¤£ 
Today, 3.38 pm If we pay the fees for Child 1 upfront Halifax and TSB will consider and when Child 2 fees are included, affordability remains fine. TML and Earl Shilton ignore school fees altogether. One or two other options remain outstanding. Other lenders, we failed affordability with Child 2 fees included.
Today, 3.24 pm Didn't expect there to be an issue with the valuation - given at 75% max LTV after the FA has completed - appreciate that its Nwide choice of course.  Personal loan not as cost-effective for client - assuming he could get a max 10 years term with a lender - monthly payment is still £...
Today, 3.15 pm Thanks Valleyboy  

Latest from the Provider/Adviser forums

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Today, 12.01 pm It's surprising just how many separate software products a mortgage brokerage can end up relying on to manage its day-to-day operations. CRM, fact finding, client portals, document generation, sourcing, compliance, AI tools, customer communications... the list goes on. Individually, these prod...
Today, 11.00 am The Real Estate Advisory team at FRP has arranged a £3m land bridge with Secure Trust Bank Business Finance to fund remediation of a former gas works site in Tonbridge, Kent. The works will prepare the land for a scheme of 144 apartments, and the borrower plans to refinance onto development fi...
Today, 10.52 am We’re making some changes to our mortgage rates, including cuts of up to 40bps, effective tomorrow, Wednesday 11th November. See the full list of changes below: Existing Product Decreases Residential Purchase only 5.48% 2 Yr Fixed £899 product fee, 85% LTV, Min loan £5k, Max l...
Today, 10.51 am Hanley Economic Building Society has introduced a five-year fixed rate mortgage for foreign nationals, available up to 90% loan to value (LTV). Priced at 6.04%, the five-year fix allows eligible applicants to be considered from their first day of UK residency. It is available for purchase and remor...
Today, 10.49 am 73% of landlords polled expect rental income tax changes to affect the rents they charge 52% plan to sell some or all of their rental properties over the next 12 months 29% anticipate reducing spending on maintenance or improvements 10th November 2026 Nearly three quarters of landlords respo...
Today, 10.45 am Follows FCA chief’s call for adults to open a second account with a different provider New research from Kroo Bank reveals that nearly half (49%) of UK adults aged 25 to 64 now hold more than one current account, as Brits split their money across banks to stay organised, share bills and get be...
Today, 9.35 am Those already advising on expat cases get satisfaction from hard-to-place cases According to new research* from Suffolk Building Society, over a quarter (26%) of mortgage intermediaries who do not currently work with expat clients said they would like to get into this area of business. The survey ...
Today, 9.07 am New IMLA analysis examines how higher rental income taxes could influence landlords’ investment decisions Changes could accelerate investment through limited companies, while implications for tenants depend on rental supply 10th November 2026, London Higher taxes on rental income may pr...
Today, 9.04 am Wesleyan's 100 mortgage advisers now benefit from ten times faster Sourcing Brain, supported by CPD-accredited training for every adviser and full access to Mortgage Brain Hub’s research tools 10 November 2026: Mortgage Brain, the award-winning technology creator for the mortgage industry, ha...

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10/11/2026 Hanley Economic Building Society launches 90% LTV foreign national mortgage
10/11/2026 Nearly three quarters of landlords expect to raise rents following Budget tax changes
10/11/2026 Multiple current account Britain: nearly half of 25–64s hold more than one, Kroo Bank research reveals
10/11/2026 More than a quarter of mortgage brokers are looking to enter the expat market
10/11/2026 Landlords face fresh decisions over rental returns as Budget widens tax gap
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