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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  
Today, 2.46 pm Was that based on the remaining fees being paid upfront, TJ?
Today, 2.45 pm Thanks, TU.
Today, 2.42 pm TML will ignore school fees regardless of savings
Today, 2.38 pm Metro will definitely do if all else fails - did one exactly the same a couple of months ago
Today, 2.36 pm HSBC did this for me once.
Today, 2.27 pm Thanks, TU. Unfortunately, we only have enough to cover the older child's fees. If the younger child's fees are taken into account we fail affordability with all the lenders mentioned.

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...
Yesterday, 12.57 pm Unicorn Capital Advisory has arranged a £2.69m secured term loan from Atom bank to refinance a mixed-use holiday lodge park near Bridgwater, Somerset. The park has 31 holiday lodges plus residential and commercial income on the same site. The new loan repays the borrower's existing lender and...

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10/11/2026 FRP secures £3m bridge to remediate Tonbridge gas works for 144 homes
10/11/2026 Barclays mortgage rate changes - Effective Weds 11th November
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
10/11/2026 Wesleyan brokers move to upgraded Sourcing Brain
09/11/2026 Unicorn Capital Advisory arranges £2.69m Atom bank refinance of Somerset holiday lodge park
09/11/2026 Brickflow adds Somo’s bridging offering to its lender panel

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