Atom bank’s Near Prime Index report reveals that for the second half of 2025 cost-of- living pressures had become a more pronounced driver for Near Prime applications according to brokers. Cost of living was cited as the primary reason by 71% of brokers surveyed, up… The post Atom bank Near Prime Index highlights cost of living pressures appeared first on Mortgage Strategy.
The Labour Party came to power with a promise — among others — to “bring the feudal leasehold system to an end”. Described by its critics as a “toxic tenure”, leasehold is often criticised for enabling freeholders to generate income from homeowners who — despite… The post Cover feature: Should leasehold be scrapped? appeared first on Mortgage Strategy.
Protection providers Wiltshire Friendly and Holloway Friendly have today announced proposals to merge. The proposed transfer date is 1 October 2026, subject to regulatory approval. Mortgage Strategy’s sister title Money Marketing can confirm that Holloway Friendly will be the legal entity, as Wiltshire believe it… The post Protection firms Whiltshire and Holloway Friendly to merge appeared first on Mortgage Strategy.
Hampshire Trust Bank has promoted six existing staff members to underwriting roles within its bridging finance team. Alex Klimcke, Olivia Colmer-Lynch, George Leaver and Ross Sheppard were previously business development executives, while Ella Hosier and Raj Aggarwal were internal lending managers. All have now taken… The post HTB promotes six staff to bridging underwriters appeared first on Mortgage Strategy.
The mortgage sector is witnessing a strategic pivot as lenders refine their lending criteria and diversify their financing solutions to support borrowers in a complex market. Barclays eases affordability restrictions with its new dynamic stress testing, while ‘Don’t ignore second charges,’ brokers are warned as… The post Mortgage Strategy’s Top 10 Stories: 13 Apr to 17 Apr appeared first on Mortgage Strategy.
Just a few weeks ago, the outlook for the mortgage market looked relatively benign. Swap rates had been easing, lenders were cautiously trimming pricing and many commentators expected the Bank of England to begin cutting the base rate. Instead, the picture has altered dramatically. Global… The post Comment: Together through adversity appeared first on Mortgage Strategy.
Average fixed mortgage rates have fallen for the first time since the outbreak of the war in Iran, the latest figures from Moneyfacts show. The average three-year fix is down by 5bps to 5.5% over the past week and the average two-year fix by 3bps… The post Average rates fall for first time since Iran war: Moneyfacts appeared first on Mortgage Strategy.
Please describe your firm in a few sentences. We offer tailored mortgage and protection advice for everything from first-time buyers to complex commercial and development finance. We take pride in our personal and professional hassle-free approach, particularly for clients with a non-standard income structure. What… The post Broker Focus: Adam Moore, director, Moore Financial Solutions appeared first on Mortgage Strategy.
Paragon Bank has launched two limited edition buy-to-let 60% loan-to-value (LTV) mortgages, with fixed rates over two- and five-year terms. The new range has six products for single self-contained (SSC) properties and three products for houses in multiple occupation (HMOs) and multi-unit blocks (MUBs), with… The post Paragon launches two buy-to-let loans at 60% LTV appeared first on Mortgage Strategy.
Atom Bank and Family Building Society have reduced mortgage rates across their ranges, with cuts of up to 30 basis points and 25bps respectively. The changes come as HSBC cut rates by up to 34bps today, alongside a number of other lenders who are making… The post Atom and Family BS make cuts of up to 30bps appeared first on Mortgage Strategy.
