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Top 10 most read mortgage broker stories this week - 27/06/2025

1 day ago | mortgagesolutions.co.uk | Shekina Tuahene

© AE3 Media Ltd, 21 Great Winchester Street, London, EC2N 2JA, Company Registration number 8938488. We take reasonable care to correct errors or omissions on our site as soon as we can after we are made aware of them. However, we do not guarantee that all information is accurate and free of errors and omissions at all times and we do not accept any responsibility or liability for any loss you may suffer as a result of information on this site not being accurate at all times.
Together releases BTL retention products with lower rates

1 day ago | mortgagesolutions.co.uk | Shekina Tuahene

Specialist lender Together has brought out reduced-rate buy-to-let (BTL) products for landlords switching from bridging loans to longer-term finance. Its BTL retention range has pricing that is 0.25% lower and is available on first and second charge loans for landlords who are refinancing to exit a Together bridging loan, or BTL borrowers refinancing at the end of a fixed rate period. The products have variable rates, as well as two- and five-year fixed rate options.
Residential property transactions rebound with 25% surge in May - HMRC

1 day ago | mortgagesolutions.co.uk | Shekina Tuahene

Residential property transactions bounced back in May as activity rose by 25% compared to April, with 81,470 completions on a seasonally adjusted basis. According to HMRC, on a non-seasonally adjusted basis, the number of residential transactions completed in May totalled 80,530 and was 42% higher than the previous month. HMRC said transactions peaked in March as buyers brought purchases forward to benefit from the lower stamp duty threshold, then fell in April as the tax burden changed.
Mortgage costs to rise faster than income or rent for ‘several years’, Resolution Foundation predicts

2 days ago | mortgagesolutions.co.uk | Shekina Tuahene

Despite expectations for the Bank of England to cut interest rates, average mortgage payments are set to rise further, a think tank said. The Resolution Foundation’s Living Standards Outlook for 2025 said some households were yet to come off pre-2022 five-year fixed rates, which averaged 2.81% in June 2021 compared to 5.09% this year. UK Finance has said 1.8 million mortgages are due to mature this year.
We must ensure FCA’s mortgage rule proposals are future-proofed - industry reaction

2 days ago | mortgagesolutions.co.uk | Shekina Tuahene

This week, the Financial Conduct Authority (FCA) published a comprehensive discussion paper on how to reshape mortgage lending and advice. Its Mortgage Rule Review made recommendations to change the way mortgage affordability is tested, as well as suggestions to scrap five-year fixed rates, and whether more interest-only borrowing should be encouraged.
Mainstream advisers should at least be curious about equity release, says Pure Retirement’s Burman

2 days ago | mortgagesolutions.co.uk | Shekina Tuahene

Mainstream mortgage advisers should take an interest in later life mortgages, particularly as the market is set to grow, a lifetime mortgage lender head said. Speaking to Mortgage Solutions, Scott Burman (pictured), head of distribution at Pure Retirement, said the equity release market had seen four successive quarters of growth, and whether that continued “remains to be seen”. Otherwise, he said the outlook for the market was exciting, and there were signs of growth in the years ahead.
LendInvest hires Eastgate as its first CCO

2 days ago | mortgagesolutions.co.uk | Shekina Tuahene

John Eastgate has been appointed as the first chief commercial officer (CCO) of LendInvest Mortgages, with a mandate to drive its strategic growth. The property lending platform created the role to demonstrate its commitment to progressing with its strategy, focus on lending growth, and improve its operational efficiency. Eastgate has around 30 years of experience in the sector and joins from Redwood Bank, where he was in a similar role for nearly two years.
Atom Bank cuts near prime rates again

2 days ago | mortgagesolutions.co.uk | Shekina Tuahene

Atom Bank has reduced rates across its near prime residential mortgages for the second time this month. Cuts of up to 0.2% have been made to its two-, three- and five-year fixes, with the largest reductions applied to products at higher loan-to-value (LTV) tiers. Atom Bank’s five-year fixed rates start at 5.04%, three-year fixes begin at 5.19% and two-year fixes are from 5.24%.
Nearly two-thirds of landlords unaware of EPC obligations - TMW

2 days ago | mortgagesolutions.co.uk | Shekina Tuahene

The government’s efforts to improve energy efficiency in the private rental sector (PRS) could be hampered by a lack of awareness around what landlords need to do, a survey from a lender found. According to research of 1,000 landlords conducted by The Mortgage Works (TMW), 62% do not know that having an Energy Performance Certificate (EPC) for their property is a legal requirement.
Aspiring BTL landlords to use savings, family help and extra work to invest - Market Financial Solutions

3 days ago | mortgagesolutions.co.uk | Shekina Tuahene

People who want to invest in buy to let (BTL) plan to save up, work extra hours and seek family support to become a landlord, research from a lender found. A study of 2,000 adults in the UK carried out by Opinium on behalf of specialist lender Market Financial Solutions found that 33% of those surveyed wanted to own a BTL property in the future. This rose to 54% among respondents aged between 18 and 34.