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News
Fixed or Floating in 2026? How One Family Chose With 3M SORA at 1.19% and Fixed From 1.40%
18+ hour, 49+ min ago (849+ words) Expert takeaway: In September 2026 the choice between fixed and floating is not a bet on which rate wins. With 3-month compounded SORA near 1.19% and two-year fixed packages starting from 1.40%, the gap is so thin that the real question is which…...
The new borrowing environment
3+ day, 5+ hour ago (476+ words) Advisers must be aware of both the incumbent and amended limited recourse borrowing rules in order to avoid compliance issues. The rules regarding the use of LRBAs to purchase residential property have changed as a result of a last-minute deal…...
Atom bank cuts residential mortgage rates by 0.10%
3+ day, 12+ hour ago (187+ words) The lender has cut rates by 0.10% with immediate effect, taking pricing to a starting rate of 5.19% on Prime products at 85% LTV and Near Prime products at 60% LTV. The reductions follow recent changes to Atom bank’s lending criteria, including a cut…...
Atom bank reveals rate reductions across residential mortgage range
3+ day, 11+ hour ago (212+ words) Rates on the majority of Atom Bank’s prime and near prime ranges have been cut by 0.10%. Atom Bank has announced that it is reducing rates across its residential mortgage range with immediate effect. The bank has cut rates on its…...
Maximum age remains brokers' most searched mortgage criteria amid August changes
3+ day, 11+ hour ago (470+ words) Knowledge Bank recorded more than 6,800 mortgage criteria changes in August, while maximum age and Joint Borrower Sole Proprietor dominated broker searches. Knowledge Bank recorded more than 6,800 changes to lender criteria during August, the highest monthly total so far in 2026. Almost…...
Too Much Information, Not Enough Savings: HomeServe Survey Finds Homeowners Overwhelmed, Underfunded and Unprepared for Repair Emergencies
1+ week, 4+ day ago (757+ words) 2026 State of the Home Survey reveals a homeownership landscape where emergencies are frequent, savings are thin and even an abundance of online resources isn't easing the stress. 80% of homeowners have had a home repair emergency in the last year, but…...
Beverley Building Society backs cattery owner with mixed-use mortgage refinance
4+ day, 8+ hour ago (325+ words) Beverley Building Society has highlighted its mixed-use mortgage proposition after helping the owners of a luxury cattery refinance their home and business through a specialist lending case. The society supported Douglas and his wife, who run a cattery on England’s…...
Castle Trust Bank adds medium HMO pricing to TermTen range
4+ day, 10+ hour ago (276+ words) The new medium HMO product offers a five-year fixed rate of 5.99% at up to 75% LTV, with loans available from £200,000 to £5 million. It carries a 3% arrangement fee and a 1% exit fee. The category sits between Castle Trust Bank’s existing small HMO…...
April Mortgages launches new interest-only proposition for over 50s
4+ day, 11+ hour ago (356+ words) April says the new range is designed to give advisers more ways to support clients both before and throughout retirement. April Mortgages has launched Interest Only+ - a new interest-only proposition designed for over 50s. Criteria includes a £24,000 minimum application income, no…...
Scottish BS takes specialist mortgage range nationwide
4+ day, 11+ hour ago (357+ words) The expansion builds on the mutual’s existing presence in Scotland and the North of England and includes lending for borrowers whose income, assets or circumstances may fall outside conventional affordability models. Its proposition includes pension-backed lending, Retirement Interest Only mortgages…...