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Today, 5.50 pm Sounds fair.
Today, 4.54 pm You are most welcome! I hope it helps 
Today, 4.04 pm Yes, waste of time if cocaine is recent. If it was a one off some time ago then some might consider.
Today, 3.54 pm Thanks LoanRanger, much appreciated!
Today, 3.25 pm FTB client looking for mortgage protection (DTA) aged 39: Smoker Drinker (not excessive) Regular cannabis use Recent Cocaine use Declined with L&G for obvious reasons, but wondered if this has a chance anywhere or a waste of time trying?
Today, 2.15 pm We use Traineasy... although this comes with with many financially related SM&CR CPD learning tools alongside the nationally mandated training. Their access also offers wellbeing, self development, Microsoft office, health & safety etc. training built in as part of the package so maybe wort...
Today, 2.01 pm Clydedale no good for this according to BDM Metro and Swansea also use Net Profits before tax.   I am going to try the Newcastle.
Today, 1.55 pm Nottingham & Darlington too
Today, 12.55 pm Cheers for the replies. You have confirmed what I was thinking.    I have sent him an email confirming it has been written off.  However, I have also told him I wont contact him at renewal given the situation, but if he still wants to work together hes welcome to get in touch. ...
Today, 12.52 pm More corporate flannel this morning on the Nat West webinar, only watched it to see if it was that as opposed to expecting anything remotely useful out of it. Three supposed broker questions at the end included two (arguably all 3) that obviously were drawn up by Nat West themselves rather than genu...

Latest from the Provider/Adviser forums

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Today, 3.35 pm Nearly four in five home movers say the homebuying process needs fundamental reform OPDA calls on Government to accelerate plans for a modern, digital property market Consumers have delivered a clear verdict on the homebuying process, with almost four in five saying the system needs fundamenta...
Today, 2.07 pm Melanie Spencer, growth director at Target Group, said: “Good news continues this week with inflation stabilising and the Bank of England keeping base rate as it is. While many would have hoped for a clearer path to rate cuts this year, the reality of the situation we’re in means I thin...
Today, 12.49 pm A Private Lender can take a charge (1st or 2nd, formal or equitable) over additional security to then fund 100% of the purchase and development costs on your next project. Typically, most lenders don’t want to rely on additional security and prefer hard cash going in to a deal, however one of...
Today, 12.40 pm Frances Haque, Chief Economist at Santander UK comments: "The Monetary Policy Committee (MPC) had some leeway to hold bank rate today at 3.75% as they wait and see how the second-round effects from the conflict in the Middle East filter through the UK economy. Although the inflation data released o...
Today, 12.23 pm Adam Bovingdon, Managing Director – Real Estate Finance – United Trust Bank comments: “As expected, the Bank of England held Bank Rate at 3.75% today. The decision comes on the back of encouraging economic data this week, with inflation holding at 2.8%, below expectations of 3.0%,...
Today, 12.21 pm Comment from Alex Beavis, Interim Director of Banking at LHV Bank: “Bank Base Rate may not be moving, but that doesn’t mean savers can’t give their pots a well-earned boost. Now is the perfect time to take action and ensure your savings are working as hard as possible. That may mea...
Today, 12.19 pm John Phillips, CEO of Just Mortgages and Spicerhaart, said: “I think even with the surprise news on inflation yesterday, this was always the most likely outcome. We shouldn’t be disappointed though, particularly with more hawkish members of the MPC calling for hikes. That threat does ap...
Today, 12.18 pm Richard Pike, Sales and Marketing Director at Phoebus Software, said: "A decision by the Bank of England to hold the base rate was widely expected, particularly following yesterday’s inflation figures. Markets had largely priced in the decision, and lenders have been competing strongly for bu...
Today, 12.17 pm Karen Rodrigues, director of sales at TAB, a commercial mortgage lender and bridging specialist, welcomed the decision to hold rates steady. "This was absolutely the right call," she said. "Borrowers need stability right now, and a hold gives the market room to breathe. "It's difficult to bring mo...
Today, 12.15 pm Following today's base rate announcement from the Bank of England, Charles Resnick, Chief Finance Officer, Afin Bank, commented: “No surprise that the Base Rate was held today, but it’s a case of rate cuts remaining delayed rather than being cancelled as the Bank of England waits for ev...

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18/06/2026 Frances Haque, Chief Economist at Santander UK responds to the MPC's base rate announcement
18/06/2026 “Today’s decision provides stability at a time when confidence is much needed…” UTB’s Adam Bovingdon Comments on The MPC’s Decision to Hold Bank Rate
18/06/2026 Bank base rate held at 3.75% Comment from Alex Beavis, Interim Director of Banking at LHV Bank: "Give your savings pots a well-earned boost"
18/06/2026 Just Mortgages comments on BoE MPC decision
18/06/2026 Phoebus reaction to base rate hold
18/06/2026 Commercial mortgage lender and bridging specialist TAB reacts to the interest rate decision
18/06/2026 Base Rate Comment - Afin Bank

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