Specialist mortgage developments are widening the range of cases advisers may need to assess. Coventry for intermediaries has introduced lending of up to 6.5 times income for eligible first-time buyers, including purchases up to 95% loan-to-value, while More2life has partnered with Verified Building Services to address essential repairs that can otherwise prevent lifetime-mortgage cases progressing.
Elsewhere, Handelsbanken reports that 71% of professional property investors plan to invest in Build to Rent, despite a decline in new schemes starting construction, and Pepper Money is preparing to launch first-charge residential and buy-to-let mortgages in Scotland. AI can help triage specialist cases, extract evidence from documentation and match criteria, but advisers must test affordability, vulnerability, property condition and client objectives carefully—particularly where higher income multiples, later-life lending or investment risk are involved.