A reported Bank of England change would remove individual lender caps on high loan-to-income lending while retaining a market-wide limit. If implemented as described, it could give lenders greater flexibility

An independent housing committee chaired by Sir Vince Cable has called for the OBR to assess the housing impact of every Budget measure. This comes amid reports that higher bank

Mortgage industry participants are calling for greater collaboration to make smart data effective across the homebuying journey. The aim is to reduce duplicated data entry, cut delays and provide greater

Later-life lending is attracting attention as more households face retirement-income shortfalls and advisers confront a potential capacity squeeze. Industry commentary suggests AI may help firms handle growing volumes, while also

Average two-year fixed mortgage rates edged down to 5.96%, while five-year fixes remained broadly steady just below 6%, according to Moneyfacts. Alongside reported rate reductions from NatWest and HSBC, the

Average two- and five-year fixed mortgage rates remain close to 6%, although HSBC and NatWest rate reductions point to renewed competitive pressure among lenders. For advisers, the key message is

Mortgage industry panellists argue that smart data will only improve homebuying if lenders, brokers, conveyancers, valuers and technology providers collaborate. The potential prize is substantial: faster verification, fewer repeated document

Specialist-lending leaders have cautioned that AI should not replace human judgement, particularly in complex residential, buy-to-let, bridging and later-life cases. These applications often involve non-standard income, unusual property characteristics, vulnerable

Later-life lending demand is growing, while reports highlight a potential capacity crunch among advisers as more households approach retirement with savings shortfalls, housing wealth and complex borrowing needs. This is

An independent committee has called for the OBR to assess the housing-market impact of every Budget measure, underlining how fiscal policy can affect confidence, affordability, supply and mortgage demand. At