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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Darlington BS launches 95% LTV rate reducer products with Own New – Mortgage Strategy

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

Darlington Building Society has launched a suite of five-year fixed-rate products under the Own New rate reducer scheme, offering up to 95% loan-to-value new build mortgages. Rates start from 4.19% and are aligned with developer incentive schemes, offering either a 3% or 5% contribution. The mutual says the home loans are available to a wide range of borrowers, including first-time buyers, skilled workers and those on visas.
Treasury Committee writes to Facebook over finfluencer posts – Mortgage Strategy

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

The Treasury Committee has written to the parent company of Facebook demanding to know why it takes so long for the social media platform to remove illegal content by finfluencers.
Lenders write to FPC re loan to income cap as Skipton improves lending criteria – Mortgage Strategy

1 day ago | mortgagestrategy.co.uk | Rebekah Commane |Roger Baird

Chief executives from three UK lenders have written to the chair of the Treasury Select Committee to emphasise the need for the Bank of England to raise the loan to income (LTI) flow limit.
Newcastle BS launches for-profit shared ownership panel – Mortgage Strategy

1 day ago | mortgagestrategy.co.uk | Roger Baird |Martese Carton

Newcastle for Intermediaries has extended its shared ownership home loans to a panel of registered for-profit providers of the scheme. The range is available to new home buyers and those looking to remortgage with a maximum household income of up to £80,000 (£90,000 in London), and a maximum loan amount available being 95% loan to value of the borrower’s share.
LiveMore raises lifetime LTVs by up to 1.75% – Mortgage Strategy

1 day ago | mortgagestrategy.co.uk | Roger Baird |Malcolm Davidson

LiveMore has lifted the loan-to-value ratios of its lifetime products by up to 1.75%. The equity release lender says that, for example, for customers aged 80 the LTV has increased to 51% from 49.75%. At age 70, it has increased to 41% LTV from 39.25% and at age 55, to 24% LTV from 22.25%.
Most new homes must have solar panels: Reports – Mortgage Strategy

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

Housebuilders will be required to fit solar panels to the “vast majority” of new homes in England in a bid to cut energy bills. The government is set to announce that the “future homes standard” will require new build homes to have solar panels and low-carbon heating, such as heat pumps, as soon as today, according to multiple media reports.
Chetwood Bank combines ModaMortgages and CHL sales teams – Mortgage Strategy

1 day ago | mortgagestrategy.co.uk | Rebekah Commane |Roger Baird

Chetwood Bank is combining its ModaMortgages and CHL Mortgages for Intermediaries’ sales forces. The move is part of the lender’s plans to develop its multi-brand strategy and will see two national sales managers, one of whom will provide key account relationship support, leading a team of five field-based business development managers (BDM), assigned to different regions.
Housebuilding target ‘undermined’ by planning consent slide: Investec – Mortgage Strategy

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

Labour’s plan to build 1.5 million new homes by 2030 is being “undermined” by a fall in planning consents, according to a report by Investec. Just 241,000 housing units received planning permission in England last year, a 3% fall from 2023, reveals the study by the specialist bank. This shortfall is particularly acute in the South East, the study says, with London facing a substantial housing gap, with only 32,160 homes delivered in 2023, “less than half the estimated amount required”.
Law firm hails 'landmark' win for victims of financial abuse – Mortgage Strategy

2 days ago | mortgagestrategy.co.uk | Leah Milner |Roger Baird

The law firm representing the borrower in yesterday’s appeal ruling against One Savings Bank has spoken out about the impact of the Supreme Court’s decision for victims of economic abuse. Solicitors Howard Kennedy, which represented Catherine Waller-Edwards in her successful appeal against the lender, says it is “landmark development” in protecting individuals who are vulnerable to “undue influence” in financial decisions.
Metro Bank adds to commercial range, West Brom trims prices by up to 0.18% – Mortgage Strategy

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

Metro Bank has expanded its commercial mortgage range to offer an 85% loan-to-value (LTV) for loans up to £5 million. The loan is open to all businesses in England and Wales with at least two years trading history. Metro Bank launched its 75% LTV commercial mortgage earlier this year.