The market, the rules and the numbers that move your pipeline — read in minutes, not portals.
United Trust Bank’s decision to reduce mortgage rates by up to 100 basis points on select products is a notable move in the current market. With residential rates now starting at 5.24%, UTB is targeting prime plus and super prime borrowers with new 90% and 95% loan-to-value optio
A recent £50,000 fine imposed on a landlord in Kensington and Chelsea highlights the growing scrutiny on Houses in Multiple Occupation (HMOs), especially in high-value areas. The property, a Grade II listed 22-bed HMO, was found to have severe damp issues, including mushroom grow
The UK government’s push for all private rented homes in England and Wales to meet an EPC C rating by 2030 is raising alarm bells among Welsh MPs. Their concern centres on the financial strain this will place on landlords, who must invest in energy-efficiency upgrades such as ins
Welsh MPs have raised concerns that the government’s push for all private rented homes to meet an EPC C rating by 2030 could lead to higher rents. The underlying issue is the cost landlords face to bring properties up to the required energy-efficiency standards. These upgrade exp
Buy to let lenders are broadening the range of tracker mortgage products available to landlords, signalling a shift towards more flexible financing options. Landbay’s recent introduction of five new tracker product transfer deals, both within its Core and Specialist buy to let ra
Buy to let lenders are responding to growing landlord demand for more flexible mortgage products by reintroducing tracker options. Landbay’s recent launch of five new tracker product transfer deals, covering both Core and Specialist buy to let portfolios, signals a shift away fro
Data from Zoopla highlights that stamp duty continues to suppress housing activity in the south of England, where property prices remain elevated. The tax’s tiered structure means buyers in this region face disproportionately higher upfront costs compared to other parts of the UK
Recent analysis from Zoopla highlights a sharp slowdown in property transactions across the south of England, attributing much of the stagnation to the current stamp duty regime. The data reveals that elevated stamp duty rates, particularly on homes priced above £500,000, are cre
New data from e.surv highlights a sharp divergence between house price inflation and the monthly cost of owning a home in the UK. While property values have risen steadily, the expenses tied to ownership—primarily mortgage payments—have surged at over three times the rate of pric
The build-to-rent (BTR) sector in the UK is sustaining robust growth, driven by persistent investor appetite and evolving housing demands. Data from Zero Deposit highlights that capital flow into BTR projects remains substantial, reflecting confidence in the long-term rental mode
The build-to-rent (BTR) sector in the UK is expanding steadily, supported by robust investor interest and growing tenant demand. Recent figures from Zero Deposit highlight that capital flows into BTR projects remain substantial, reflecting confidence in the model’s long-term viab
The latest data from Pegasus Insight reveals that the average UK landlord now holds 7.3 properties, signalling a clear trend towards larger buy to let portfolios. This growth challenges traditional lending models, which were primarily designed for single-property investors or sma
