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Today, 7.32 pm What Nationwide Building Society says: Nationwide Building Society can potentially consider lending to applicants who have had a previous IVA. Warnings Subject to a senior underwrite & at least 3 years since discharge. What Accord Mortgages says: Accord Mortgages can potentially ac...
Today, 7.24 pm As above - but the client does need to answer the question (or any other) if you ask it, which you should (if only as, many lenders do so on the basis of 'ever', even if they are willing to accept satisfied - and some have 'x' years satisfied requirements). In the early days of IVAs...
Today, 6.14 pm 6 years from registration and falls off the file, not 6 years from discharge. 
Today, 5.59 pm I dont know if I am being baffled by the client and I am doubting myself... Client entered an IVA 6 years ago.  Discharged 1 year ago.    Most (appreciate lenders like halifax/natwest work from registration date) work from discharge date. Which means if they need 3-6 years dischar...
Today, 5.56 pm Brilliant thank you
Today, 5.47 pm Update: Client calls Halifax. 2 years ago she went through a relationship breakdown and as a result went into arrears by 1 month. The arrears were cleared within 8 weeks. Halifax have told her that despite wanting to deal with me she can't. I'm wondering if there's any point kicking u...
Today, 5.00 pm Anyone else had this scenario? I tried to key a PT for a client with Halifax and couldn't as I got a message 'contact refinance team'. I contacted them and after being unable to tell me why it wouldn't go through they keyed it manually for me. All good until I got a phone call a c...
Today, 4.43 pm Exactly, should be paying double the swines! 
Today, 4.42 pm which is the biggest disgrace considering how much work is involved in dealing with Co-Op
Today, 4.39 pm Not aware of any others but I do know Co-op pay a reduced fee on ported cases.

Latest from the Provider/Adviser forums

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Today, 4.33 pm We are writing to let you know that Clydesdale will no longer offer new mortgage loans. Clydesdale new business fixed rates were withdrawn earlier this year. Those deals will not be re-introduced, and the remaining Clydesdale variable rate products will be withdrawn at 8pm on Wednesday 1 July 2026....
Today, 4.30 pm There were 33,960 new build dwelling starts in England in Q1 of 2026, a decrease of 9% on Q4 of 2025, according to the latest new build estimates (seasonally adjusted) from the Ministry of Housing, Communities & Local Government released and the end of last week. This figure is an increase of 18...
Today, 2.47 pm Sorry, can we ask for stuff we might get - not what 'we want and is purely profit driven'? Now if you said - a change in planning consent and agreed maximum profit levels**, so both sides 'benefit' - that might get more of a looking. ** - Quality conversions and fair rent rather th...
Today, 10.54 am Commercial mortgage lender and bridging specialist TAB has called for sweeping reforms to planning, taxation and housing policy, arguing that the next Prime Minister must do more to support property investors, landlords and businesses. Karen Rodrigues, sales director at TAB, said the specialist len...
Today, 10.51 am 23 June 2026 - Redwood Bank has appointed Chris Butler as regional development manager as part of its ongoing lending expansion. Chris brings more than 20 years of banking experience across retail and commercial finance, including 19 years at Yorkshire Bank and most recently at Yorkshire Building So...
Today, 10.32 am We’re making a wide range of cuts to our mortgage rates, with changes effective from tomorrow, Wednesday 24th June. Existing Product DecreasesResidential Remortgage Only 4.66% 2 Yr Fixed £999 product fee, 60% LTV, Min loan £5k, Max loan £2m will decrease to 4.57% 4.73% ...
Today, 9.55 am Specialist finance lender, Masthaven Finance, cuts pricing, raises maximum LTVs and broadens support for self-employed borrowers across its secured loan and mortgage ranges. Masthaven Finance has today announced a series of enhancements to its proposition, including rate reductions across its produ...
Today, 9.35 am Paragon Bank has expanded its Bank Base Rate (BBR) tracker buy-to-let mortgage range with the launch of new switch and further advance products, providing existing customers with additional options to review their borrowing and raise funds against their portfolios. The switch products are available ...
Today, 9.28 am Support programme brings together leading specialist partners to equip financial advisers ahead of April 2027 TFAS Compliance Services, has today announced the launch of the 2027 Ready Programme - a comprehensive, multi-partner initiative designed to ensure advisers are fully prepared for the most ...
Today, 9.25 am Market Harborough Building Society has announced rate reductions across its fixed‑rate mortgage deals by up to 0.23%, including those for expats and HNW individuals. From today, fixed rates across its residential and let mortgages have lowered by the following: Two-year fixed rates – by 0....

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