The Intermediary

The Intermediary is your go-to source for the most recent developments in the UK mortgage and specialist finance sectors. It provides thorough news insights, engaging features, interviews, and roundtable discussions. Additionally, The Intermediary covers all new product launches and market updates, ensuring that readers stay informed about the essential skills needed to thrive in today’s business environment.

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Hope Capital cuts resi fast-track rate to 0.85% and expands dual representation limit

1 day ago | theintermediary.co.uk | Ryan Fowler

Hope Capital has announced a rate reduction on its residential fast-track bridging product, now offering loans at 0.85% up to 75% LTV. The update applies to residential transactions including purchases, auction deals and light refurbishments involving non-structural works. The lender has also increased the upper limit for dual legal representation to £750,000, up from £500,000. The change is intended to allow more borrowers to benefit from reduced legal costs and quicker completions.
FCA proposes insurance rulebook shake-up to cut costs and boost access

1 day ago | theintermediary.co.uk | Ryan Fowler

The Financial Conduct Authority (FCA) has published a consultation outlining plans to simplify its insurance rulebook, removing what it described as “ineffective, outdated or duplicated regulation” in a bid to reduce costs and improve access for consumers and businesses. The changes are intended to preserve protections for smaller commercial customers while easing regulatory burdens on insurers serving larger firms.
Morpheus Lending completes first bridging loan using new digital platform

1 day ago | theintermediary.co.uk | Ryan Fowler

Morpheus Lending has completed its first bridging loan, marking a key milestone for the digital-first lender following its launch last year. The unregulated transaction supported a refinance and refurbishment prior to sale and was finalised within eight working days from initial enquiry to completion.
Welsh Government rejects rent waiver proposal for no-fault evictions

1 day ago | theintermediary.co.uk | Ryan Fowler

The Welsh Government has formally rejected a proposal that would have allowed tenants to retain the final two months’ rent of their tenancy if served with a Section 173 notice, following a review of evidence gathered from stakeholders including Propertymark, Generation Rent, Shelter Cymru and others.
Vida Homeloans cuts rates across residential and buy-to-let ranges

2 days ago | theintermediary.co.uk | Ryan Fowler

Vida Homeloans has announced rate reductions of up to 0.45% on its residential mortgage range and up to 0.50% on its buy-to-let products, citing recent market movements and the Bank of England’s latest base rate cut. As part of the update, the specialist lender has also launched a set of limited edition buy-to-let mortgages available at 65% loan-to-value. The new products include 2-year and 5-year fixed rates, both with a 4% fee and pricing starting from 3.52%.
L&G highlights customer care in new Leading the Way lifetime mortgage campaign

2 days ago | theintermediary.co.uk | Ryan Fowler

L&G’s Home Finance business has launched its Leading the Way campaign, a video-led initiative that highlights the real-life connections between customers taking out lifetime mortgages and the teams who support them behind the scenes. These include customer service, underwriting and the Care Service teams, all of whom play a role in helping customers access equity from their homes. The campaign marks ten years since L&G entered the lifetime mortgage sector.
Perenna renews £200m ABN AMRO warehouse to fund mortgage growth

2 days ago | theintermediary.co.uk | Ryan Fowler

Perenna Bank has renewed and expanded its £200m warehouse funding facility with ABN AMRO Bank, extending the agreement until July 2026 to support its expanding mortgage pipeline and wider growth plans. The facility, first announced in April 2024, underpins Perenna’s ability to fund its current product suite and deliver new propositions to market. It will also help support third-party lending innovations, including its recently announced partnership with Gen H.
Habito partners with Mastercard's Business Bonus Scheme

3 days ago | theintermediary.co.uk | Jessica O'Connor

Habito has partnered with Mastercard’s Business Bonus Scheme to make mortgage support faster and fee free for small and medium-sized enterprise (SME) owners across the UK. Business owners will now be able to access Habito’s team of mortgage advisers at no cost, in a bid to give entrepreneurs support they need to make confident decisions.
Accord Mortgages reduces residential rates by up to 0.24%

3 days ago | theintermediary.co.uk | Jessica O'Connor

Accord Mortgages is set to reduce rates once again this week across its residential range, effective from tomorrow Tuesday 13th May. The intermediary-only lender will reduce rates on 2-year fixes by as much as 0.24%, with 3-year products reduced by up to 0.15%. 5-year deals will also be reduced by as much as 0.21%.
Barclays makes further rate cuts across mortgage offering

3 days ago | theintermediary.co.uk | Jessica O'Connor

Barclays has announced a new wave of reductions across its mortgage product range, with changes taking effect from Tuesday, 13th May. The bank is set to implement significant rate cuts in response to evolving market conditions. One of the most notable updates is the reduction in the rate of Barclays’ fee-free remortgage product, the Great Escape™ 2 Year Fixed, which will decrease by 0.19% to 4.18%.