The market, the rules and the numbers that move your pipeline — read in minutes, not portals.
HSBC plans to increase mortgage rates across both residential and buy-to-let products from tomorrow, continuing the trend of lenders adjusting pricing amid ongoing economic pressures. The bank’s lack of prior notice on the scale of changes makes it harder for borrowers to anticip
Coventry for Intermediaries has raised the maximum loan-to-value for interest-only mortgages from 50% to 75%. This shift significantly broadens borrowing capacity for investors and homeowners who prefer or require interest-only deals. Increasing the LTV by 25 percentage points op
Mortgage deals lasted an average of just 13 days in September, according to Moneyfacts data. This is the shortest shelf life recorded, reflecting a rapid withdrawal of competitive offers by lenders amid rising base rates and economic uncertainty. For property investors, this sign
Recent data from Property118 reveals a striking disparity in buy-to-let purchase plans between company landlords and those owning property in their own name. Nearly one in five company landlords (18.3%) intend to acquire more property in the next three years. By contrast, fewer t
Landlords are confronting sharply higher Capital Gains Tax bills due to the government’s failure to adjust for inflation when calculating gains. The National Residential Landlords Association (NRLA) describes this as ‘absurd’, highlighting how inflation has artificially inflated
New data from Hamptons highlights a stark shift for first-time buyers in the UK housing market. Over half (56%) of those entering homeownership now face mortgage payments that exceed their previous rental costs. This signals a significant change in the financial calculus for new
The National Residential Landlords Association has highlighted a key issue in how capital gains tax (CGT) is calculated on residential property sales. Their analysis shows that between 2015 and 2024, only about 20 per cent of the increase in house prices represents a real gain af
Recent data reveals that rising mortgage rates are beginning to bite into housing markets that had so far withstood economic pressures. According to Rightmove, regions that maintained price stability through earlier rate hikes are now seeing sellers reduce asking prices. This shi
Citizens Advice reports that 58% of private renters on housing benefit face a gap between their Local Housing Allowance (LHA) and actual rents. This widening shortfall is a clear signal that LHA rates have not kept pace with rental market inflation. For landlords, this means a gr
Recent moves among buy to let lenders to reduce interest rates by up to 0.10 percentage points reflect a subtle easing in a market that has been under pressure from rising borrowing costs. Foundation’s decision to start its standard buy to let rates at 4.99% for 75% loan to value
Accord Mortgages has announced a reduction in its residential mortgage rates, with cuts of up to 0.26% on new business products and product transfers. The most notable adjustments apply to borrowers with a 5% deposit, particularly at the 90% loan-to-value (LTV) tier. This move is
Property118's Q3 2026 Landlord Sentiment Survey points to two separate exit patterns: losses drive exits where portfolios are loss-making, while mortgage-free landlords are leaving mainly because of smaller portfolios, age and retirement plans.
