The Mortgage Works’ latest Buy-to-Let Barometer report highlights a significant shift in landlord sentiment, with confidence in the Private Rented Sector (PRS) weakening compared with last year. At a time when regulation, taxation and interest rate pressures are...

With the average UK house price now surpassing £300,000, according to Halifax, mortgage affordability remains one of the biggest barriers facing buyers, particularly first-time buyers trying to secure their first home. In response to growing affordability challenges,...

Clydesdale Bank continues to stand out in the UK mortgage market for its flexible, common-sense approach to lending, particularly for borrowers with complex incomes, non-standard circumstances or higher loan requirements. As the market moves through 2026, Clydesdale’s...

Santander has unveiled a new high loan-to-value mortgage aimed squarely at helping first-time buyers overcome one of the biggest hurdles to homeownership...saving for a deposit. The new product, called My First Mortgage, offers borrowing of up to 98% loan to value...

NatWest has recently made some big changes to its mortgage lending criteria, increasing how much certain customers can borrow and improving affordability for higher-earning applicants across purchases and remortgages. The updates, which came into effect earlier this...

Teachers Building Society has announced a major change to its mortgage criteria, confirming it will now lend up to 7 times income at 95% loan-to-value (LTV) for teachers and education professionals. In this blog, we will run through the changes from Teachers BS, and...

Bank of Ireland has announced a brilliant shakeup to its Bespoke mortgage range, increasing maximum income multiples and loan sizes to help more buyers access higher-value properties and lending options that weren’t previously available. The changes should help...

Skipton Building Society has built a strong reputation for backing first-time buyers, particularly those who might otherwise struggle to get onto the property ladder. Whether it’s helping renters buy a home without needing a traditional deposit, or allowing buyers to...

Kensington Mortgages has announced a fresh round of mortgage rate reductions in the first week of 2026, cutting rates by up to 0.24% across its residential mortgage range. The changes apply to both 2-year and 5-year fixed-rate products, offering improved options for...

Today, Accord Mortgages has announced major criteria changes designed to be a real game changer for first-time buyers and those using Joint Borrower Sole Proprietor (JBSP) structures to boost their mortgage affordability. These changes could make a meaningful...

TSB has officially announced that it will now accept Universal Credit for mortgage applications as a source of income in residential mortgage affordability assessments. The change, which was announced and also went live on Thursday the 20th of November 2025, marks a...

Barclays has announced a major update to its affordability policy, increasing its maximum residential loan-to-income (LTI) multiple from 5.5x to 6x. This change is significant for borrowers who need a higher income stretch to secure the mortgage they want, especially...