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Today, 5.56 pm You should take that complaint higher up ðŸ˜€
Today, 5.33 pm I know who a doctor who says they are are finding vaping is actually worse for people than smoking, I guess it will take several years for data to come out etc.
Today, 5.24 pm useful then
Today, 5.11 pm For your education, i've recently had a provider pop in and tell me that people that have been non-smokers for a particular period but vape will be treated by non-smokers by them, just cant recall which provider it was. 
Today, 5.00 pm Non nicotine vape?
Today, 4.49 pm Barclays did the 'buy out partner' part in 2018 on a similar case.....
Today, 4.47 pm Alas several providers now require it to be 5 years IIRC to be considered Non-Smokers (who do not Vape). They count them as Ex-Smokers and they pay a premium between Non-Smokers and Smokers
Today, 4.45 pm if a person smokes one cigarette a week, then they are smokers. if a person vapes, they are smokers if a person does neither and has not done so for at least a year, non smoker      simples!
Today, 4.30 pm Am I the only one who can't stop shaking their head at this post?
Today, 4.21 pm I placed a case with HSBC. It was ex-Local Authority flat at 60% LTV. But the valuer declined because there was no functioning lift in a medium/high rise in Central London.  But the flat was on the ground floor!

Latest from the Provider/Adviser forums

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Today, 9.20 am View in browser ...
Today, 9.18 am Paradigm Mortgage Services has today (1st June 2026) published a new discussion paper calling for mandatory mortgage advice for all first-time buyers, arguing the move would represent a “proportionate, evidence-based evolution” of regulation under Consumer Duty. The paper, entitled &lsq...
Today, 9.16 am Buckinghamshire Building Society has partnered with Mortgage Broker Tools (MBT) to make its lending proposition available through the MBT platform from 1st June 2026. The partnership will give MBT’s network of brokers access to Buckinghamshire Building Society’s affordability assessment...
Today, 9.14 am This episode covers what the UK's Top Advisers are doing differently - Twenty7tec has released the latest episode of its ELEVATE Podcast Series, featuring serial entrepreneur and Wealthy Advisers Club founder Terry Blackburn, who shares his insights on business growth, lead generation and the futur...
Today, 9.11 am GB Bank has introduced a new intermediary core product range, giving intermediaries access to a set of off-the-shelf buy-to-let & bridging products. The launch marks a notable step for GB Bank, which has been traditionally known for its bespoke, case-by-case approach to lending. The new range gi...
Today, 8.30 am Just Mortgages, together with Spicerhaart, the UK’s largest independent estate agency and property service group, has announced the appointment of Olivia Moss as its first ever marketing and communications director. The newly created role marks a strategic step forward in the group’s con...
Today, 8.00 am TAB has appointed Karen Rodrigues as Director of Sales as the specialist property finance lender expands its sales team and accelerates its broker engagement across the UK intermediary market. Rodrigues brings more than 30 years of experience in mortgage and specialist finance, having built a caree...
Friday, 11.50 am Flexible new products designed to support borrowers amid ongoing interest rate uncertainty. Newcastle for Intermediaries has launched a new range of competitive base rate tracker mortgages, designed to give borrowers greater flexibility and confidence in today’s evolving interest rate environ...
Friday, 10.53 am Maria Harris, chair of the Open Property Data Association, reacting to April’s property transaction data: “While transaction levels remain under pressure, the more telling issue is the pace at which the system operates. With the average completion taking around 17 weeks, the home moving...
Friday, 10.17 am Melanie Spencer, growth director at Target Group, said: “Despite being up on the previous year, April saw the end to the momentum that had been quietly building in spite of the all the recent disruption. As mortgage pricing shifted, so did sentiment among buyers as prospective purchasers fell...

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01/06/2026 Sterling stable but house prices tumble
01/06/2026 Paradigm Mortgage Services calls for mandatory regulated mortgage advice for all first-time buyers
01/06/2026 Buckinghamshire Building Society partners with Mortgage Broker Tools
01/06/2026 Wealthy Advisers Club founder Terry Blackburn in latest Twenty7tec ELEVATE podcast
01/06/2026 GB Bank expands proposition with new off-the-shelf buy-to-let & bridging product range
01/06/2026 Spicerhaart appoints first marketing director to accelerate growth across Just Mortgages and wider group
01/06/2026 TAB appoints Karen Rodrigues as Director of Sales
29/05/2026 Newcastle for Intermediaries launches competitive base rate tracker products
29/05/2026 OPDA reacts to April's property transaction data
29/05/2026 Target Group comments on HMRC property transactions

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