Mortgage Strategy Magazine

Mortgage Strategy is the leading source of information for mortgage brokers, lenders, and intermediaries. Every week, our committed team of journalists and knowledgeable columnists delve into the newest developments in mortgages, protection, bridging loans, secured loans, lending practices, housing market trends, regulations, and the Mortgage Market Review (MMR).

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New homes completed rise 12% in 12 months to March: Homes England – Mortgage Strategy

1 day ago | mortgagestrategy.co.uk | Becky Bellamy |Roger Baird

Housing programmes delivered by Homes England resulted in 36,872 new homes completed in the 12 months to 31 March 2025, a 12% rise compared to the same period the previous year. During the same period, there were 38,308 new houses starting on site, a 5% rise compared to the same period the previous year. Of the new starts on site, 30,087 were for affordable houses, a 0.6% increase on the previous year, and representing 79% of all starts.
Virgin Money trims prices by up to 0.23% to start at 3.86%, Atom cuts rates – Mortgage Strategy

2 days ago | mortgagestrategy.co.uk | Becky Bellamy

Virgin Money has reduced selected fixed rates by up to 0.23%, with the lowest rate starting from 3.86%. Product transfer selected two- and three-year fixed rates will be reduced by up to 0.23% to start from 3.86% and selected five-year rates will be lowered by 0.14% to start from 3.93%. In addition, selected two-year fixed rates on its remortgage products have been cut by up to 0.22%, starting from 4.28% while selected five-year rates have been lowered by as much as 0.15%, starting from 4.24%.
Paragon Bank adds Potts and Harrison as BDMs – Mortgage Strategy

2 days ago | mortgagestrategy.co.uk | Becky Bellamy

Paragon Bank has appointed Eloise Potts and Stephen Harrison as business development managers within its mortgage division to support brokers in the North West and North East of England, respectively. Potts joins Paragon from Aldermore, where she also worked for more than eight years, and before moving into a BDM position, started off as an underwriter. This has helped her to support brokers with first-hand experience of what lenders are looking for when writing business.
London Credit and UTB unveil rate reductions – Mortgage Strategy

2 days ago | mortgagestrategy.co.uk | David Burrows |Becky Bellamy

London Credit has confirmed rate reductions across its product range, including cuts of up to 60 basis points (bps) on commercial and semi-commercial bridging loans. Residential bridging rates have also been reduced by up to 24bps.
Fleet changes policy on SPV lending – Mortgage Strategy

2 days ago | mortgagestrategy.co.uk | Becky Bellamy

Fleet Mortgages has made changes to its lending criteria for limited company borrowers, with an overhaul of its policy on lending to special purpose vehicles (SPVs). The criteria changes mean Fleet Mortgages can now support more layered ownership models and corporate configurations. It has updated its criteria to accept more of the real-life company structures brokers and their clients present each day.
Landlord EPC knowledge gap could hamper Govt's PRS targets – Mortgage Strategy

2 days ago | mortgagestrategy.co.uk | David Burrows |Roger Baird

A lack of understanding of the requirements around energy performance certificates (EPCs) and forthcoming regulation may hinder the government’s efforts to increase the energy efficiency within the private rented sector. This is according to The Mortgage Works’ latest buy-to-let report. A poll of 1,000 UK landlords revealed that nearly two thirds (62%) are unaware that having an EPC is a legal requirement.
Norton Group hires Husband as head of operations – Mortgage Strategy

2 days ago | mortgagestrategy.co.uk | Becky Bellamy

Norton Group has appointed Amy Husband as its head of operations. Husband brings a strong background in mortgage operations, joining Norton from Perenna, where she managed underwriting, customer care and servicing. During her time there, she was promoted to head of operations, where she led several process improvement initiatives, helping to streamline the borrower journey while maintaining regulatory standards.
Roma Finance launches dual representation on bridging and term loan ranges – Mortgage Strategy

2 days ago | mortgagestrategy.co.uk | Becky Bellamy |Roger Baird

Roma Finance has launched dual representation across its bridging and term loan ranges with the aim of streamlining the legal process. The enhancement applies to single-bullet bridging and term lending (FLOW and PRO products) on loans up to £1m. To deliver the service, the lender has partnered law firms such as Insight Law, JQ Law, McHale & Co and TLT LLP. Dual representation allows both borrower and lender to use the same solicitor, removing a key point of delay in the lending process.
Stafford BS launches landlord and holiday loans – Mortgage Strategy

2 days ago | mortgagestrategy.co.uk | Roger Baird |David Burrows

Stafford Building Society has launched two mortgages for landlords with a discounted variable interest rate of 3.05%. The mutual’s new standard buy-to-let and holiday BTL mortgages both come with a 3.05% rate over an initial two-year term at up to 70% loan to value. It will assess affordability using rental income, with seasonal variations considered for holiday lets and Airbnb. This is calculated using a stressed interest rate of 5.50%.
Fleet and Newcastle for Intermediaries trim prices – Mortgage Strategy

2 days ago | mortgagestrategy.co.uk | Becky Bellamy

Fleet Mortgages has reduced prices on a number of its five-year fixed-rate products across all loan-to-values (LTVs). The lender has cut standard and limited company five-year fixes at 55% LTV. The 3% fee product has been cut to 4.59% from 4.64%, and the £999 fixed-fee product has been cut to 5.14% from 5.19%. Fleet has also introduced a £1,000 cashback offer on its 55% LTV products.