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NatWest has announced rate reductions on its new business, existing customer and additional borrowing product ranges, effective tomorrow. NatWest will have a 5.04% two-year fix purchase from tomorrow, plus a 4.98% five-year fix. The lender is making cuts to its buy-to-let new business rates, including…

The post NatWest becomes latest lender to cuts rates appeared first on Mortgage Strategy.

Mortgage advisers have no choice but to embrace technology in order to survive, a former broker has warned. Speaking at MIT Live in London yesterday, panelists discussed the challenges mortgage firms are facing as AI continues to develop at pace, reshaping the market. JammJar founder…

The post MIT Live: ‘Digital transformation is not optional, it’s imperative’ appeared first on Mortgage Strategy.

First-time buyers (FTBs) continue to show greater resilience than the wider housing market, despite ongoing economic uncertainty and affordability pressures tempering activity across the sector, Yorkshire Building Society data reveals. The comes as the government prepares to introduce its new Your First home Help-to-Buy replacement…

The post FTBs remain resilient despite economic uncertainty and affordability pressures: YBS appeared first on Mortgage Strategy.

HSBC will be decreasing rates across its residential and buy-to-let (BTL) rates, effective tomorrow. The bank does not give advance details of the scale of increases, but Trinity Financial product and communications director Aaron Strutt predicts that “their best deals for those with larger deposits…

The post HSBC lowers rates across resi and BTL appeared first on Mortgage Strategy.

The latest consumer credit figures should give mortgage brokers plenty to think about, as according to the Bank of England, UK consumers net borrowing through credit cards was £1.2bn in August, up from £0.9bn in July. Net borrowing through other forms of consumer credit (such…

The post Blog: Rising credit card debt puts second charges in sharper focus appeared first on Mortgage Strategy.

Foundation has made rate reductions of up to 0.10% across selected buy-to-let (BTL) products and enhanced its holiday let product range. Foundation’s BTL rates currently start at 4.99% at 75% loan to value (LTV). Both two- and five-year F2 holiday let products have been reduced…

The post Foundation cuts BTL rates appeared first on Mortgage Strategy.

Mortgage lenders will be given greater flexibility to offer high loan-to-income (LTI) homeloans under new rules from the Prudential Regulation Authority (PRA) and Financial Conduct Authority (FCA). The regulators will remove the individual 15% cap on high LTI lending while retaining an overall market limit…

The post PRA and FCA to relax high-LTI lending rules this month appeared first on Mortgage Strategy.

Lenders have advanced £250m of semi-commercial mortgages.

The post Commercial mortgage advances increase in Q3 appeared first on Mortgage Solutions.

FTB applications fell by 3.5% in Q3 of 2026, compared with the same period last year.

The post FTB and homemover applications fall year-on-year – YBS appeared first on Mortgage Solutions.

RAW Capital Partners has already exceeded the value of mortgages completed in 2025, making 2026 a record year with still two months of business remaining.

The post RAW Capital Partners delivers record lending before year end appeared first on Mortgage Solutions.