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Yesterday, 11.03 pm If they have 25% currently on a 50k mortgage then they have a 100% ltv mortgage as the value is also only 50k.   If wanting to go to 50% ownership the new purchase price is £100k.  If a lender goes to 90% ltv then max mortgage will be 90k meaning they need to put 10k in themsel...
Yesterday, 10.56 pm Hi all, I have decided on a career change from teaching to the mortgage world, I just need a couple of pointers if anyone could be of help? I'm looking at developing my knowledge and understanding of the industry over the next few months before applying for positions (currently in fixed term c...
Yesterday, 3.54 pm Just a bit unsure! Client is staircasing from 25%-50%. As an example , if the market value is £200k and they have £50k mortgage, can they go to £100k or do most lenders impose a maximum LTV on the share. Nationwide only lend to 90% so they would have to contribute £5k to remo...
Yesterday, 3.46 pm cheers I've notified them today that I'm thinking of leaving and asked whats the process etc Good point as regards the protection, hadnt thought of that. I do seem to remember thet SB do have a enhanced prot panel, but having said that I dont apply for my protection via their site , its al...
Yesterday, 3.25 pm Not a SB member.... but I am guessing Simply Biz have a Mortgage Club - and Proc Fees are 'enhanced and paid via them'? I would have thought the easiest would be ot notify SB of your intent to leave (and as others have noted, go through that process) - but immediately on Mortgage illustrati...
Yesterday, 2.15 pm hi and am seeing a couple on Monday who are on this scheme. Visa is valid until October 2028 and have been here for 4.6 years do I treat this as just a normal application with lenders that accept Visa ( such as Barclays and Nationwide ) or is more to it than that? many thanks in advance
Yesterday, 1.47 pm This in addition to £65 for registering your each rented property. Probably have a triple lock increase protection on this as well.
Yesterday, 1.42 pm I can help you with that, please just get in touch. 
Yesterday, 1.38 pm I left 2 years ago. Just called them telling them i wanted to cancel my membership. Also got the right email address to confirm my decision in writing. Had to continue paying the subscription for another 6 months.  I didn't do much business via them it was all direct with various clubs so c...
Yesterday, 1.21 pm I left SB 3 years ago  - for their compliance support there will be a notice period. I believe it is now 6 months but you need to check your contract The proc fees are paid via the mortgage club and is completely separate, You can still use the mortgage club and they will pay you anything that...

Latest from the Provider/Adviser forums

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Yesterday, 5.25 pm Four in 10 landlords with buy-to-let mortgages plan to refinance in the next year, research carried out on behalf of Paragon Bank has found. The survey of nearly 600 landlords by Pegaus Insight found that a quarter (26%) have a mortgage on all of their rental properties, compared to 43% who own out...
Yesterday, 3.40 pm Fletcher Hixon Legal Services has obtained judgment for Tenet Group Ltd (in Administration) and TenetConnect Services Ltd (in Liquidation) after a contested High Court trial against a former Appointed Representative. The trial in claim number: KB-2025-BRS-000036 was heard over three days by HHJ Blo...
Yesterday, 9.57 am Melanie Spencer, growth director at Target Group, said: “While transactions are inherently backward-looking, the non-seasonally adjusted data offers some encouragement with activity edging up in September compared with August. However, no matter which way you look at it, transactions remained...
Yesterday, 9.55 am Suffolk Building Society has launched a new range of 85% LTV BTL Mortgages, supporting both UK and expat landlords. Just a handful of specialist lenders currently offer 85% LTV buy to let mortgages, and expat BTL lending at this LTV is even rarer. The Society’s 85% LTV offering will initiall...
Yesterday, 9.54 am Maria Harris, Chair of the Open Property Data Association: “The autumn upturn in property transactions is an encouraging sign for home movers and the wider property industry, despite numbers remaining down from this time last year. “Yet, we risk not making the most of this improvement ...
Yesterday, 9.41 am Richard Pike, chief sales and marketing officer at Phoebus Software, to this morning’s HMRC seasonally adjusted property transactions data: “Property transactions have held up reasonably well this year, with only a small drop compared to 2025. However, with mortgage approvals falling th...
Yesterday, 9.31 am Buy-to-let lender, Landbay, has today (30th October 2026) released further findings from its latest landlord survey, revealing how landlords have been adapting their approach in response to the Renters' Rights Act, while also preparing for the introduction of the new national registration requiremen...
Yesterday, 9.29 am New analysis by property management and finance platform Lendlord has found that 17.7% of landlords analysed recorded annual rental income above £50,000, as the next quarterly update deadline under Making Tax Digital for Income Tax (MTD) approaches. Based on portfolio records as of 30th Septe...
Yesterday, 9.27 am The Cumberland has announced a new partnership with leading holiday let trade body, the Professional Association of Self-Caterers (PASC UK), as it expands its support for business owners across the holiday let sector. The mutual will offer its specialist finance expertise to PASC UK members and inf...
Yesterday, 9.19 am TAB has launched a monthly market intelligence briefing for its sales and underwriting teams. Jack Bonner, the chief risk officer at the commercial mortgage lender and bridging specialist, found mainstream lenders are cutting credit just as higher mortgage rates start to slow property sales. The T...

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