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Latest from the Adviser forums

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Today, 8.57 am I've had someone recently outright say that he was going to run everything i told him through ChatGPT "because, you know, that's what's everyone does, right?" Told him I wasnt the right fit for him and sent him on his merry way. Was one of those winkers that says "right....
Today, 8.46 am Definitely replaced the bloke down the pub that knows everything
Yesterday, 6.09 pm Its scary how much trust people put in something that is regularly wrong.  Who remembers "if its on facebook, it must be true"?  Replace facebook for AI.    Good video of why not to trust AI.  https://www.youtube.com/watch?v=_zU9TW4SB4w
Yesterday, 5.01 pm Got an email yesterday from Virgin Money saying they support day rate contractors, Umbrella and zero hour contractors. 
Yesterday, 4.59 pm Getting a few more people using chat GPT to question my advice. One call comes in today. She went to apply to her current lender to port the mortgage but was declined due to a CCJ she claims she didn't know about.  Anyway, chat GPT has told her she should still be able to port the mortgag...
Yesterday, 4.29 pm Hi we have done something similar very recently and it did save him a load in stamp duty.  He bought it on a bridge as it needed some work and splitting of titles but saved him around £50k in stamp duty He then refinanced onto a BTL remortgage on one of the properties with Foundation
Yesterday, 2.12 pm I have a client looking to buy a property that is already in a Ltd co. He wants to buy the company for the value of the property to save on SDLT. I think HMRC are wise to this and won't allow it without full SDLT. Am I correct? If wrong, will any lenders lend on it?
Yesterday, 2.00 pm But we love Cora so much😂  Trying to delete the accidental smiley just creates more!!!!
Yesterday, 1.02 pm Do natwest have a BDM these days?
Yesterday, 12.58 pm HTB or Togethor srping to mind.   HTB are generally better I have found - bu they do have a miniumu % value of the Resi part (was 60% - I think that dropped to 50%??) as part of the overall loan amount.

Latest from the Provider/Adviser forums

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Yesterday, 8.38 am Atom bank, one of the UK’s top-rated banks on Trustpilot*, has announced rate cuts across both its Prime and Near Prime mortgage ranges. With immediate effect, all Prime rates have been reduced by 0.20%, while rates on the Near Prime range have dropped by 0.10%. As a result, Prime deals now s...
Yesterday, 7.00 am TAB has completed a £2.8m bridging loan secured against a pair of commercial warehouses in London, providing the borrower with capital to invest in his trading business, repay business debt and support the expansion of his property portfolio. The commercial mortgage lender and bridging specia...
Thursday, 2.27 pm Give it time. The FCA and lenders have relaxed the income multiples so there is only one direction those numbers are going. 
Thursday, 12.50 pm New figures from UK Finance showing a further fall in mortgage possessions demonstrate the effectiveness of responsible lending and the support being provided to borrowers experiencing financial difficulties, according to United Trust Bank (UTB). The latest data shows that 1,150 homeowner propertie...
Thursday, 12.35 pm Well, those advisers who are IFA's and do Later Life Advice will already be doing this......  ... so what is the issue? It's already being done now - never mind from the 2040's.   Reading between the lines - perhaps some firms want to be able to give shall we say guidance......
Thursday, 12.17 pm Jim Boyd, chief executive of the Equity Release Council, responding to the Society of Pensions Professionals Home Truths, said: “The Society for Pension Professionals is right to highlight that housing and pensions can no longer be treated as separate policy challenges. Housing wealth is not a...
Thursday, 11.03 am FRP Real Estate Advisory has arranged the £2.98m refinance of a 12-flat freehold block in Horsham, Sussex, supporting the client in repaying a bridge and moving onto a five-year fixed-rate term loan with specialist buy-to-let lender Rely. The transaction marks FRP Real Estate Advisory’s ...
Thursday, 10.20 am Paragon Bank has reintroduced its Track to Fix feature to its range of Bank Base Rate (BBR) tracker buy-to-let mortgages, enabling existing customers to switch to an available Paragon fixed-rate switch product during the tracker term without incurring an early repayment charge (ERC). The enhancement...
Thursday, 10.20 am David Miller, divisional director at Spicerhaart Corporate Sales, said: “Quarter after quarter, the tremendous, proactive work of lenders continues to shine through. Even where we’ve seen elevated interest rates in recent years, borrowers have shown that they are managing their commitme...
Thursday, 10.19 am Melanie Spencer, growth director at Target Group, said: “A further fall in mortgage arrears suggests that despite the financial pressures households have faced in recent years, mortgage borrowers are managing to stay in the black. Meanwhile, lenders continue to ensure that any mortgage distre...

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14/08/2026 Atom bank reduces Prime and Near Prime rates
14/08/2026 TAB completes £2.8m commercial bridge to support business investment and portfolio expansion
13/08/2026 Fall in Mortgage Possessions Reflects Responsible Lending and Effective Borrower Support – United Trust Bank
13/08/2026 Equity Release Council responds to the SPP's 'Home Truths'
13/08/2026 FRP Real Estate Advisory arranges £2.98m BTL refinance for portfolio in Horsham
13/08/2026 Paragon reintroduces Track to Fix feature to Bank Base Rate tracker mortgages
13/08/2026 Spicerhaart Corporate Sales comments on UK Finance Arrears and Possessions
13/08/2026 Target Group comments on UK Finance Arrears and Possessions
13/08/2026 Phoebus reacts UK Finance arrears & possessions data
13/08/2026 Newcastle for Intermediaries expands intermediary mortgage range with launch of new products

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