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Latest from the Adviser forums

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Today, 5.44 pm Has she worked in the same line of work previously? Co-op and Skipton could be options
Today, 5.30 pm Make sure default shows as satisfied on credit file but I recently had a nice result from TSB.  80% LTV though on a chunky mortgage with £25k of satisfied defaults Applicants will be automatically declined when the following is applicable:  Outstanding CCJ greater than £100...
Today, 5.13 pm Ignore me. Just noticed this was referring to Q1.  I imagine it will be higher for Q2/Q3 as cases are replaced with cheaper alternatives once rates started to come back down. 
Today, 3.58 pm I know from other posts on here that the rules changed last year so that the broker now has the responsibility of affordability tests, but the HA in the case I have refers to an affordability test in line with the Homes England rules.. does anyone know what this means?  I've checked HE and...
Today, 3.56 pm Was always going to happen after rates rocketed following the Iran/US war.  One of the reasons why I took my foot off the gas and got on with other jobs. 
Today, 3.55 pm Whose desk has it been sat on?    That old saying "where there is blame, there is a claim" is b/s. This is a good example. If it is the management company, the client will take the hit. If it is the solciitors, client will probably still take the hit but they might get somethin...
Today, 3.54 pm Probably doesn't help - but when did Optima first ask for the information?   Customer can always complain to lender to compplain to the Solicitors (as some Legal Firms will say they are a client of the Lender and not customer - so customer can't complain directly - although some will ...
Today, 3.42 pm Thats a really good test....  
Today, 3.40 pm I was worried the offer would be pulled at the legal stage - and we run out of time to do anything else!!!   (Basically, current lender was cheapest at 80% LTV... and Barclays was cheapest at 75% LTV - and they have a huge jump on rates to 85% LTV as no 80% deal). Was made more complex on ot...
Today, 3.28 pm Got a First Time Buyer. She's a freelance Newspaper Journalist. But she's been offered a 12 month "Employed" Fixed Contract. Are there any Lenders that would consider this on Day 1 or will she have to wait for the Contract to renew once?

Latest from the Provider/Adviser forums

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Today, 2.45 pm The Mortgage Works is from tomorrow (Thursday 28 May) introducing new two-year tracker products to its buy-to-let range as well as cutting rates on selected two, three and five-year fixed rate products for new and existing customers. New products introduced: The Mortgage Works will be introducing ...
Today, 2.43 pm Are you looking for a Refurbishment Bridging loan which gives you cash in-hand to kick-start the works? In addition to providing funds towards the acquisition, a further amount is provided On Day 1 to be utilised on works, with the balance then forward-funded, in tranches. Up to 75% LTV NET towards...
Today, 12.18 pm Average mortgage cases placed rises to 96 per year, up from 89 in Q4 2025 Confidence recovers slightly quarter-on-quarter but falls month-on-month through Q1 as Iran conflict hits market sentiment DIP-to-completion conversion eases to 37% as pipeline efficiency returns to mid-2025 levels 27th...
Today, 12.16 pm Average gross rental yields stabilise at 6.5% in Q1 2026, up marginally from 6.4% in Q4 2025 HMO landlords continue to outperform, achieving average yields of 7.6% 84% of landlords remain profitable, despite a second successive quarter of softening 58% of landlords report strong tenant demand, ...
Today, 9.14 am Hanley Intermediaries has cut rates across its residential, retirement interest only (RIO) and self-build mortgage ranges by up to 0.65%. These reductions include a number of headline products aimed at supporting borrowers across a variety of lending needs and life stages. Highlights of this exten...
Today, 9.12 am A new broker poll by Atom bank, one of the UK’s highest rated bank on Trustpilot*, has revealed brokers are seeing an increase in demand for Near Prime products, with further growth expected. Brokers were polled on their experiences and opinions of Near Prime during a recent webinar, followin...
Today, 9.11 am Conveyancing distributor, conveybuddy, has today (27th May 2026) outlined how advisers are becoming increasingly focused on transparency, communication and customer outcomes across the entire property transaction process as market activity begins to stabilise following the volatility seen earlier th...
Today, 9.09 am Leonard Curtis has partnered with Nivo to roll out an AI-powered KYC and AML onboarding workflow for its funding clients. The service uses an AI assistant as a digital team member to support client communication, secure information collection, data enrichment and report compilation, with human speci...
Today, 9.06 am One Mortgage System (OMS), the CRM and loan origination platform for intermediaries and lenders, recently hosted its latest Tech Talks event in London with representatives from lenders, networks and brokers, plus OMS technology partners. The first panel session focused on how lenders and brokers co...
Today, 9.02 am Omni Protect, Fintel’s whole of market premium protection club proposition, has appointed long-standing industry figure, Dave Butler, to the position of Head of Protection Development. In the newly created role, Butler will grow and evolve Omni Protect’s proposition, making it easier and...

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27/05/2026 The Mortgage Works introduces new two-year tracker products and cuts fixed buy-to-let rates
27/05/2026 Refurbishment Finance providing Forward-Funded Build Costs!
27/05/2026 Intermediaries report busiest start to a year since Stamp Duty rush but geopolitical uncertainty clouds the outlook
27/05/2026 Rental yields hold firm at 6.5% as tenant demand remains resilient
27/05/2026 Hanley Intermediaries cuts rates across residential, RIO and self-build ranges by up to 0.65%
27/05/2026 Atom bank poll reveals brokers are seeing growing Near Prime demand and expect it to increase further
27/05/2026 conveybuddy says flatter housing market conditions are increasing broker focus on transparency and client experience
27/05/2026 Leonard Curtis and Nivo launch AI-powered KYC journey for commercial lending
27/05/2026 OMS Tech Talks event focuses on how brokers and lenders compete for the ‘Digital first’ borrower
27/05/2026 Omni Protect appoints Dave Butler to Head of Protection Development role

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