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Vida Homeloans makes mortgage rate cuts across the board

3 days ago | mortgagesolutions.co.uk | Samantha Partington

Vida Homeloans has cut mortgage rates by up to 0.45% in its residential range and up to 0.5% for buy-to-let (BTL) deals. In addition, Vida Homeloans has launched limited-edition BTL products at 65% loan to value (LTV), available with both two-year and five-year fixed terms. The deals come with a 4% fee and rates start from 3.52%.
Majority of specialist lenders seek growth funding as M&A activity looms

3 days ago | mortgagesolutions.co.uk | Samantha Partington

More than 90% of specialist lenders are looking to renew, amend or increase their debt facilities within the next two years to fund growing loan books and diversify their funding partners. Despite the appetite to refinance and take on new debt facilities, 58% of specialist lenders surveyed said they were considering a full or partial exit within the next five years either through a merger or acquisition, survey results from Interpath and JPMorgan reveal.
L&C adopts OMS system to 'fuel the next stage of growth and transformation'

3 days ago | mortgagesolutions.co.uk | Samantha Partington

L&C Mortgages has integrated the One Mortgage System (OMS) CRM software with its broking operation to support the firm’s next phase of growth. OMS said the partnership underlines its commitment to driving digital transformation in the mortgage industry. The system is designed to streamline workflows, improve data management, and enhance overall customer engagement.
Mortgage activity runs high in April but BTL searches dampen

3 days ago | mortgagesolutions.co.uk | Samantha Partington

Mortgage adviser activity surged towards the end of April, as the volume of searches recorded for 90% loan-to-value (LTV) deals and residential purchases neared record levels, according to a search platform. Four of the top seven busiest days ever were recorded for ESIS documents in the 90%-plus LTV market in the final week of last month, data from Twenty7tec reveals. Meanwhile, for owner-occupier purchases, two days during the same period ranked in the 20 busiest days on record.
BTL purchases fall to pre-financial crisis levels but more looking to North

4 days ago | mortgagesolutions.co.uk | Anna Sagar

Buy-to-let (BTL) purchases have fallen to levels not seen since 2007, accounting for 10% of homes sold in the first four months of this year. According to the Hamptons Lettings Index, this is down from 11% in 2024 and down from a high of 16%. The report noted that BTL purchases have fallen across all regions in Great Britain over the last 10 years, barring the North East. The North East is the most popular region for BTL purchases, with 28% of purchases in this area going to landlords.
MAB hires Gadhia as regional sales director for later life

4 days ago | mortgagesolutions.co.uk | Anna Sagar

Mortgage Advice Bureau (MAB) has appointed Sanjay Gadhia as its regional sales director for later life. In his role, Gadhia will oversee the enhancement of MAB’s later life lending proposition and work closely with lenders to “ensure they are providing the most [innovative] solutions for customers’ needs”. He will also promote a range of later life lending solutions to advisers and help them maximise lead generation and nurture opportunities.
Mid-retirees lacking confidence in longevity of pension savings

4 days ago | mortgagesolutions.co.uk | Anna Sagar

Only half of people aged 65-75 years old are confident that they are on track to make their private pension savings last for life. According to research from Aviva and Age UK, more than a quarter said they feel financially secure. There is also a gender mismatch, with 19% of women feeling financially confident and 32% of men feeling secure.
Hodge lowers stress rate to support first-time buyer and retirement customers

4 days ago | mortgagesolutions.co.uk | Anna Sagar

Hodge has reduced its affordability stress test, which will help more customers achieve their mortgage aspirations. Hodge said this would help those buying their first home in later life or those managing affordability in retirement. The firm said the change would boost borrowing potential by around 20% for the average Hodge customer. As an example, joint applications with a household income of £45,000 could borrow just over £38,000, a 17% rise.
Half of UK households expected to need housing wealth to support later life living

4 days ago | mortgagesolutions.co.uk | Anna Sagar

Around 51% of UK households are forecast to need housing wealth to fund their “desired later life lending standards”. According to a report from Fairer Finance, this will unlock around £23bn in property wealth each year by 2040 and could deliver a £21bn boost to the UK economy each year. The report noted that 38% of future retirees are expecting to have an income below the recommended minimum living standard.
L&G pays out more than £1bn retail protection claims in 2024

4 days ago | mortgagesolutions.co.uk | Anna Sagar

L&G paid out £1.06bn in retail protection claims in 2024, covering life insurance, income protection and critical illness. L&G said this was over £100m more in claims than the previous year and that it paid over 20,000 claims during the year. The claims paid is equal to around £2.5m in retail protection claims per day, the firm said.