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Latest from the Adviser forums

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Today, 3.07 pm	Have you tries speaking to the Mortgage works or Accord? It always difficult make recommendation with sketchy information. He wants £600k so is he showing £120,000 rental profit? If you work on 4.5 times income he may need to show even higher profit.
Today, 3.01 pm	Yorkshire BS Halifax Accord all to 5K deposit mortgages Skipton I think do as well. Not sure about the rest of criteria
Today, 1.11 pm	Does anyone know of any lenders that will consider Ukranian Nationals who have been relocated due to the war. I have a couple who have been in the UK 4.5 and 5 years respectively and are looking at mortgage options Anyone ever dealt with this sort of case? Any suggested lenders. They only h...
Today, 11.43 am	"As an example, I buy a mobile phone for £150, it lasts probably 2-3 years. She has a £1,500 on contract that costs her about £50 a month. She is the typical person Aardvark is talking about. Wants top of the line even if it is on finance. Goes and buys the daft c...
Today, 11.30 am	Nick I may be missing the obvious.... but if the 4 Properties are in his personal name and you want to disregard the BTL Mortgage costs..... the income for those properties are included in the SA302..... and so I can't see how a lender would ignore the mortgage cost and include the inco...
Today, 10.37 am	Client wants max lending on this purchase client have around 4 to 5 BTL property in personal name and all property have mortgages however self funding. Any lenders will disregard finance cost and use SA302 income only as there are few but cant lend up to 75% LTV on interest only.
Yesterday, 10.11 pm	What reason to discount the £32K Finance cost is there? (Business Purpose Loan in Personal Name for valid reasons for example). How hold are they and what Mortgage Term is acceptable (ceasing at probably age 70....) I think you will stuggle with £200K of Equity - can the clien...
Yesterday, 6.18 pm	I will issue an addendum if its a change on the case that is change of advice. For instance change of ltv, 2yr to 5yr If its an admin update then will just issue the new paperwork
Yesterday, 5.12 pm	It is all down to choices. Most (especially those living at home) could save if they chose to. At 14 yrs old my youngest son asked me how much would need to save to buy a house. He got a Saturday job and made money stripping down old cars and selling the parts. Left school after A' Levels got ...
Yesterday, 3.49 pm	Hi Looking to place lending client wants intrest only mortgage max lending based on 800k purchase price need 600k lending clinet have 4 property in personal name and 8 in limited company got around 32k finance cost i can see is there any lender can consider income based on SA302 ...

Latest from the Provider/Adviser forums

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Yesterday, 12.37 pm	We wanted to let you know that we’re increasing the following Clydesdale Residential fixed rates on Monday 5 October. Core Residential Product Transfer Rates Selected 2 and 5 year fixed rate products will be increased by up to 0.17%. If you’re applying for one of these products on...
Yesterday, 12.26 pm	Join our economy webinar: Making sense of the Autumn Budget “Very useful in tricky economic times” and “great webinar – the knowledge, content and timing is just right” - just a couple of comments we received after our September economy webinars. We’re therefore...
Yesterday, 8.40 am	Houzecheck suggests that flexible working arrangements offer a compelling alternative to standard full-time employment for residential surveyors. By granting professionals greater control over their workloads, this approach allows them to dedicate more time to tasks that directly require their speci...
Yesterday, 8.17 am	Gap between house prices and earnings narrows – but higher borrowing costs limit affordability gains UK’s house price to income ratio falls from 7.6 to 7.3, an 11-year low, as earnings continue to outpace house price growth For first-time buyers, homes now cost less than six times ea...
Yesterday, 8.12 am	Check.co.uk has launched Mortgage Score by Check, a new feature designed to help consumers understand, improve and track their mortgage readiness in one place. Available through the Check app, Check: Mortgage Score brings together a user’s credit information, affordability, existing borrowing...
Yesterday, 8.08 am	A quarter of brokers believe businesses will be less inclined to borrow under Andy Burnham Improving business confidence identified by brokers as driving Q2 increase in demand Growth in brokers reporting issues with access to funding One in four brokers are concerned their business clients w...
Yesterday, 8.04 am	Square 1 Media, the award-winning specialist PR and Marketing Agency, has today announced it has become a Corporate Partner of The Observatory – the new learning and community platform from Momenti Group. Members of The Observatory get to learn more about the mortgage market and marketing wit...
Yesterday, 7.55 am	Client outcomes lead technology priorities, while firms seek more value from existing systems and explore AI adoption. Advice firms are becoming more proactive about technology, with better client outcomes driving their priorities and integration remaining the most frequently cited barrier to chang...
Thursday, 1.53 pm	Brickflow, the UK's leading digital marketplace for specialist property finance, has facilitated a £755,000 bridging refinance for an 18-bedroom hotel in Somerset, funded by HBI Capital less than one month after the lender joined the platform's panel. The case was introduced by Louis Wilson, C...
Thursday, 10.32 am	New mortgage CRM focuses AI on repetitive administration rather than replacing the adviser. Artificial intelligence should be used to remove repetitive mortgage administration rather than replace mortgage advice, according to the team behind Monicio. The newly launched AI-powered mortgage CRM has ...

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02/10/2026	We're increasing Clydesdale Product Transfer rates
02/10/2026	HSBC UK's economy webinar: Making sense of the Autumn Budget
02/10/2026	Houzecheck calls for greater flexibility for residential surveyors as industry gathers at Sava Expo
02/10/2026	LLOYDS AFFORDABILITY REVIEW
02/10/2026	Check.co.uk launches Mortgage Score by Check to help consumers understand and improve mortgage readiness
02/10/2026	Brokers cautious over SME demand under new Prime Minister
02/10/2026	Square 1 Media Become Corporate Partner of Momenti Group’s “The Observatory”
02/10/2026	TFAS research finds advisers becoming more proactive as integration tops technology barriers
01/10/2026	HBI Capital completes £755,000 hotel refinance via Brickflow less than one month after joining panel
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