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Date	Post
Today, 8.08 pm	How much are the rates coming down by? 0.01%? By the time they come down by 0.1% we will be at Christmas - and that assumes best case scenario. Its not going to make any difference to people and we are quickly closing in on the quiet period. Call me Mr Positive.
Today, 8.05 pm	I always thought these should be at the end of the month. You cant say how its going on the 1st of the month... But in any event, it started well, then fell off a cliff. The sooner that orange eejit does one, the better. March we were on for a record year. Between him, the wor...
Today, 8.01 pm	I raised this with the FCA at one of the events. The 4.5x income multiple cap saved so many people from losing their homes after the mini budget - it worked! Something they did - worked! And then what did they do? Rolled it back! Morons! The onus is on us to tell people you can get 6x ...
Today, 7.04 pm	Pre 2008 self certs (aka using mickey mouse figures), is a world away from high income multiples based on legit incomes, underwritten and approved via high st lenders.
Today, 6.27 pm	I always say to clients that there is a gap between what the lenders says you can afford and what you can actually afford. After you show them what happens if rates rise by 1 to 2% then usually most tend to curb their enthusiasm for high loans. That said if you want to buy a fairly standard h...
Today, 5.21 pm	That is partly where the problem lies you are supposed to be advising the client and you shouldn’t just do something because it can be done. The post from mic highlights that there were plenty of “advisors” churning out stuff pre credit crunch that should never have been done and i...
Today, 5.18 pm	Same here, doesnt mean its ok though
Today, 5.09 pm	If a lender will lend it, I will recommend it
Today, 5.07 pm	Not good news for the extra work and clients saying they will wait!!!!
Today, 4.37 pm	The rest are increasing, this is just a blip and more than likely to make them top for a couple of weeks to get in more business and then up again.

Latest from the Provider/Adviser forums

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Date	Post
Today, 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...
Today, 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, ...
Today, 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...
Today, 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...
Today, 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...
Today, 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...
Today, 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...
Today, 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 ...
Today, 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...
Today, 9.56 am	Neil Leitch, Managing Director of Development Finance, Hampshire Trust Bank “The Government is understandably keen to get more people onto the housing ladder, but there is a concerning disconnect between the ambition to stimulate demand for new homes and what is happening across the constructi...

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Date	Subject
15/10/2026	FCA opens stable door? \| Tech systems? \| Fintegrate \| Church mtg? \| IP
15/10/2026	You bring the client. We'll bring the bridging.
13/10/2026	IP providers? \| Primis \| NW PT process \| MUFB help \| Networks \| Clients
13/10/2026	Making Mortgages Happen
12/10/2026	Trail commission \| Broker responsible? \| Trade press? \| UnderwriteMe
12/10/2026	See how simple commercial mortgage applications can be
09/10/2026	The PI Desk \| Complaint? \| Network Tables Q3 \| Vapes \| VOIP calls
08/10/2026	we’re not pulling our rates...
07/10/2026	Working for brokers? \| Vitality AI \| Life app postponed \| PI \| ID requests?
05/10/2026	£100+ pm on coffee! \| SL with rate change? \| Sept quiet? \| Run two CRMs?

View all press releases Latest press releases

Date	Subject
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
15/10/2026	HTB comments on latest ONS Construction Output data

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