Ben Perks's Media Coverage

Daily Express

A financial adviser has explained why and how to avoid it

Daily Express

Vacancies are now at their lowest level since 2014, excluding the pandemic

Daily Mirror

It has been welcomed as 'very encouraging', with other expected to follow

FT Adviser

Advisers have rallied against “unqualified and unregulated” social media advice and called for greater regulation after research showed more than half of adults lost money by acting on financial advice...

Sky News

Semi-commercial property is becoming a "sexy alternative" for a growing number of landlords, brokers say.

FT Adviser

Semi-commercial property is becoming a “sexy alternative” to traditional buy-to-let for a growing number of landlords as residential properties become less attractive, according to Ben Perks.

AOL.com

The Renters’ Rights Act came in earlier this year

Daily Mirror

The Renters’ Rights Act came in earlier this year

Daily Express

The mistake can end up costing mortgage holders ‘thousands of pounds extra’ in interest payments.

Daily Mirror

Experts have explained how a seemingly minor issue can spiral into a major problem

The Sun

ANOTHER major lender has launched a 100% mortgage this week to first time buyers struggling to get on the ladder – but experts say you should beware of the risks.

Daily Express

Honestly, every little helps with that mortgage

Wales Online

Brokers said it was ‘underused’

Daily Mirror

Getting a mortgage when you work for yourself can seem difficult, but a broker said it didn’t have to be

Plymouth Live

Brokers said it was 'underused'

UK News Group

Ben Perks, founder of Stourbridge-based Orchard Financial Advisers has teamed up with his sister, Hayley Perks, to launch Orchard Wealth Management Limited.

The i Paper

Homeowners and buyers could see an increase to their loan prices if Burnham gets into power, experts warn, but only for the short term

Thisismoney

The Government is facing fierce backlash from small business owners who are fed up with being called the 'backbone of the economy' as they are clobbered with higher taxes and labour costs.

Cambridge Live

There are reports that the long-established brand could be consigned to history

Daily Mirror

Reports suggest Lloyds Banking Group could scrap the Halifax brand after 173 years on the high street, though no branch closures are planned

Wales Online

There are reports that the long-established brand could be consigned to history

Bristol Live

There are reports that the long-established brand could be consigned to history

Daily Star

EXCLUSIVE: HR chiefs have warned over 2.3million Brits are expected to call in ‘sick’ with World Cup fever during the month-long tournament with more ‘sickies’ to come if England and Scotland progress

Daily Express

Friday will see an update from the Nationwide Building Society

Liverpool Echo

Friday sees a fresh update from the Nationwide Building Society

Daily Mirror

The picture is changing day by day at the moment

Daily Express

Cautiously hopeful, until it all flips again

FT Adviser

A client turned down

Sky News

Should you overpay your mortgage if you can? Or is there reason to be cautious? The Money team enlists the help of experts to help you decide.

Birmingham Live

Buy-to-let fixed mortgage rates are soaring due to unrest in the Middle East

Daily Express

Every fill-up feels like daylight robbery now

Estate Agent Today

Mortgage and property experts are predicting gazundering could return as prospective buyers start to worry about the impact of inflation on their finances due to the war in the Middle East.

what MORTGAGE

Mortgage borrowers are unlikely to see an interest rate cut in March as experts believe the Bank of England will take a cautious stance due to the continuing conflict in the Middle East.

Surrey Live

The BBC TV licence fee will rise within a few weeks - and many analysts are complaining about the cost

Lancs Live

The BBC TV licence fee will rise within a few weeks - and many analysts are complaining about the cost

Daily Mirror

The TV licence cost can be compared to the subscription cost of signing up to Netflix, Disney+ or Amazon Prime

Express.co.uk

The lender has also introduced new affordability stress rates, in another boost for homebuyers.

Estate Agent Today

Brokers have hailed a “statement of intent” from HSBC after it became the first lender to cut mortgage rates in the new year.

GB News

HSBC has become the first major UK lender to cut mortgage rates in 2026, announcing reductions across a wide range of residential and buy-to-let products from January 5.

Express.co.uk

Experts predict this move will be followed by other major banks.

Cambridge Live

Brokers predict sub-3% mortgage deals for prime borrowers as inflation falls and lenders gear up for battle over best rates in 2026

Bristol Live

Brokers predict sub-3% mortgage deals for prime borrowers as inflation falls and lenders gear up for battle over best rates in 2026

GB News

Mortgage brokers are forecasting that rates could dip beneath three per cent during the coming year, with industry experts declaring that 2026 appears poised for a significant turnaround in home lending.

Express.co.uk

It comes after inflation fell more sharply than expected and a price war looms

Thisismoney

Major lenders have cut their mortgage rates with brokers now expecting the best deals to edge below 3.5 per cent in January.

FT Adviser

rates are “highly likely” to drop below the current market leading rate of 3.51 per cent in 2026 as the mortgage price war rages, according to brokers.

Express.co.uk

Brokers now expect even sharper deals to emerge “before the year is out”.

Daily Mirror

The Bank of England is widely expected to cut interest rates this month in a major shift in policy

Express.co.uk

Industry insiders claim the move is likely to send the property market into “full-on beast mode”

Sky News

A major bank has predicted the Bank of England will cut the base interest rate later this month.

Birmingham Live

HSBC expects a 5-4 vote to cut

GB News

Financial specialists have argued Rachel Reeves is finalising a "lastminute.com" Budget days before its publication, raising concerns about the Government’s fiscal preparedness.

Retail Times

Retail sales collapsed by 1.1% in October 2025, with many retailers saying the lead up to Black Friday was to blame.

Barry And District News

UK inflation has fallen to the lowest level since June after gas and electricity price rises eased, providing a pre-Budget boost that may see…

Eastern Daily Press

UK inflation has fallen to the lowest level since June after gas and electricity price rises eased, providing a pre-Budget boost that may see…

Eastern Daily Press

UK inflation has fallen to the lowest level since June after gas and electricity price rises eased, providing a pre-Budget boost that may see…

Reading Chronicle

UK inflation has fallen to the lowest level since June after gas and electricity price rises eased, providing a pre-Budget boost that may see…

what MORTGAGE

Mortgages are to be taught in schools as part of government plans to bring the curriculum into the modern day and help children ‘step into the future’.

FT Adviser

Bemusing and deflective were the words used by the advice community to describe Rachel Reeves’ speech this morning.

The Sun

HOMEOWNERS with expiring mortgages have been urged to lock in new deals ahead of the Budget after major lenders slashed rates.

Bristol World

Discover how Ellis Genge earned the nickname 'Baby Rhino' during his debut at Bristol, where his powerful training presence left teammates awestruck.

FT Adviser

AI only gets advice correct half the time leaving Brits at risk of making damaging errors, according to research by financial education specialists Investing Insiders.

Express.co.uk

Families can get up to £500 every 3 months

Ardrossan and Saltcoats Herald

Changes to the homebuying system could slash costs for buyers and cut the time it takes to move, the Government claimed.

Border Counties Advertizer

Changes to the homebuying system could slash costs for buyers and cut the time it takes to move, the Government claimed.

Daily Echo

Changes to the homebuying system could slash costs for buyers and cut the time it takes to move, the Government claimed.

Somerset County Gazette

Changes to the homebuying system could slash costs for buyers and cut the time it takes to move, the Government claimed.

Wimbledon Times

Changes to the homebuying system could slash costs for buyers and cut the time it takes to move, the Government claimed.

The Northern Echo

Changes to the homebuying system could slash costs for buyers and cut the time it takes to move, the Government claimed.

Express.co.uk

Other banks and building societies may follow suit, experts warn.

Birmingham Live

Brokers and financial experts warned that this could be the “beginning of the end of low rates” and it will likely mean the Bank of England (BoE) will not go any lower than its 4% base rate.

This Is Money

A series of property market tax proposals which have been floated ahead of the Autumn Budget are already hitting confidence among landlords and home movers.

FTAdviser

Consistently using buy now, pay later (BNPL) services such as Klarna could impact customers’ ability to get a

Express.co.uk

One analyst said the Bank was “stuck between delaying rate cuts to tame prices or easing policy to support a weakening economy”.

Daily Telegraph

’Vulnerable’ young workers opt for enticing new-builds despite warnings of a property price plunge

This Is Money

Rachel Reeves is sweeping aside rules put in place to protect homeowners in a move which experts warn could sow the seeds for a future catastrophe.

This Is Money

Young Britons struggling to get on the housing ladder could get first dibs on new apartments, a competitive mortgage offer - and £100,000 off the price.

FTAdviser

Dubai has launched a scheme aimed at UK

FTAdviser

Conditional selling “feels like cheating” and contravenes

Estate Agent Today

Lenders are already restricting mortgages on properties that don’t meet 2028 Energy Performance Certificate (EPC) minimum standards, brokers claim.

Introducer Today

The new rules don’t come into effect until 2028 and 2030

what MORTGAGE

An interest-only mortgage has been launched by Gen H to provide an affordability boost for borrowers, including first-time buyers.

Wandsworth Times

New credit rules will help millions who use Klarna, PayPal Pay in 3, Clearpay, Payl8er and Amazon Pay Over Time.

Cumnock Chronicle

New credit rules will help millions who use Klarna, PayPal Pay in 3, Clearpay, Payl8er and Amazon Pay Over Time.

Halstead Gazette

New credit rules will help millions who use Klarna, PayPal Pay in 3, Clearpay, Payl8er and Amazon Pay Over Time.

Moneyweek

Consumers are set to gain stronger rights and clearer information in line with other types of credit ending the ‘Wild West’ of unregulated borrowing

East London Advertiser

New credit rules will help millions who use Klarna, PayPal Pay in 3, Clearpay, Payl8er and Amazon Pay Over Time.

The Herald

New credit rules will help millions who use Klarna, PayPal Pay in 3, Clearpay, Payl8er and Amazon Pay Over Time.

City AM

The Treasury has outlined its fresh regulation imposed on buy now, pay later (BNPL) providers but industry leaders have raised the alarm.

Bradford Telegraph and Argus

New credit rules will help millions who use Klarna, PayPal Pay in 3, Clearpay, Payl8er and Amazon Pay Over Time.

Burnham and Highbridge Weekly News

New credit rules will help millions who use Klarna, PayPal Pay in 3, Clearpay, Payl8er and Amazon Pay Over Time.

Hackney Gazette

New credit rules will help millions who use Klarna, PayPal Pay in 3, Clearpay, Payl8er and Amazon Pay Over Time.

North Wales Chronicle

New credit rules will help millions who use Klarna, PayPal Pay in 3, Clearpay, Payl8er and Amazon Pay Over Time.

FTAdviser

Advisers at Openwork now require pre-approval on debt consolidation cases before giving advice, which advisers have warned could see borrowers ‘go elsewhere’.

Express.co.uk

The Bank of England trimmed its base rate by 0.25 percentage points to 4.25% yesterday

This Is Money

Skipton’s Delayed Start Mortgage is intended to give borrowers some financial breathing space - but what are the rates and is it a good deal?

FTAdviser

Brokers have expressed concern after many had only become aware of Skipton’s new ‘delayed start’

FTAdviser

Would-be property buyers are holding back in the hope that the Bank of England will make cuts next week, according to brokers.

The Negotiator

The Mortgage Works is now offering a two-year fixed deal at 2.99% to landlords, although brokers point to the 3% fee.

Express.co.uk

Some brokers believe lower mortgage rates from other banks could follow soon.

Birmingham Live

The new rates will be effective from tomorrow, Wednesday 23 April.

The Sun

A MAJOR mortgage lender has made a big change to its rules that will help more people get on the housing ladder. Halifax has made changes to its affordability rules that means buyers will be able t…

Eastern Daily Press

The number of mortgage deals at 90 and 95 loan-to-value is at its highest level since March 2008, according to new research.

Bradford Telegraph and Argus

The number of mortgage deals at 90 and 95 loan-to-value is at its highest level since March 2008, according to new research.

Oxford Mail

The number of mortgage deals at 90 and 95 loan-to-value is at its highest level since March 2008, according to new research.

Southend Echo

The number of mortgage deals at 90 and 95 loan-to-value is at its highest level since March 2008, according to new research.

Wandsworth Times

The number of mortgage deals at 90 and 95 loan-to-value is at its highest level since March 2008, according to new research.

The Sun

MORTGAGE brokers say now is an “ideal time” for first-time buyers if they want to get on the housing ladder – but they’ll have to move fast. Despite chaos in the markets right now, firs…

London Property News

Amid all the ongoing market turmoil, Coventry Building Society has today gone sub-4% on a 2-year fixed rate (at 65% LTV with a £999 fee). The lender is reducing all…

Sky News

Before the chancellor’s spring statement this afternoon, the latest inflation figures have been released - and they will provide some relief to Rachel Reeves. Also in Money today, savings expert Anna Bowes...

Express.co.uk

Policymakers are meeting today to decide on rates.

London Business News

Discover the impact of ‘The anti-business Budget is starting to bite’ on UK companies, marking a significant drop in registrations.

FTAdviser

Low level parking fines are affecting some people’s credit scores and causing them to pay more for their mortgage, brokers have found.

What Mortgage

Nationwide and Leeds Building Society have become the latest lenders to cut mortgage rates.

Sky News

Barclays has become the second lender to cut mortgage rates to less than 4%.

Birmingham Live

Remortgage borrowers look to be the biggest winners with this particular reprice, with cuts of up to 0.36%.

Express.co.uk

A number of leading lenders, including the Halifax and Barclays, have already introduced reductions recently and there are expectations of more to come.

Mortgage Soup

Net mortgage approvals for house purchases slightly increased to 66,500 in December, compared to a decrease of 2,300 in November, latest Bank of England data revealed this morning. Approvals for remortgaging...

FTAdviser

Lenders do not have enough of a margin between the price they pay for money and what they lend it for to initiate a rate war this year, brokers have said.

Express.co.uk

Concerns about rising National Insurance taxes on employers, higher energy and food prices are hitting business and consumer confidence.

Pound Sterling Live

The UK private sector, then the engine of the UK economy, has stagnated and could be in the throes of recession. This after the…

Express.co.uk

The banking giant has shared how people could claw back a small fortune

Property Soup

With many choosing to ditch alcohol this January, research from Santander has shown that putting some – or all – of the money usually spent on booze each month towards mortgage overpayments could save...

FTAdviser

Brokers have claimed that a partnership between credit referencing agency Checkmyfile and brokerage Haysto is a “significant slap in the face” to brokers who refer clients.

FTAdviser

Government has called on regulators to help create a regulatory environment to foster growth - but doing so is “absurd”, advisers and business owners have claimed.

Express.co.uk

Santander, Barclays, TSB and the Halifax are reducing rates on new deals after some others cut the cost of new home loans earlier this week

FTAdviser

Borrowers are “finally getting a break” as mortgage rates are cut, according to brokers.

Express.co.uk

Both Barclays and TSB have cut interest rates on new deals with rivals expected to follow suit in the coming days

This Is Money

A major high street bank has announced it will cut mortgage rates by up to 0.39 percentage points.

Mortgage Soup

NatWest is making rate cuts of up to 39bps across selected purchase, remortgage and buy-to-let 2- and 5-year fixed rate mortgages tomorrow. Newspage asked brokers whether the tide is turning and if more...

Express.co.uk

Economic forecasts have changed ‘dramatically’ since the autumn Budget was announced, an expert has said.

FTAdviser

Stricter underwriting practices could be introduced if the assisted dying bill is passed through parliament.

Express.co.uk

The future path of interest rates has been thrown into the air leaving customers confused say experts

Birmingham Live

It is also launching a new range of 2-year fixed rates for purchase customers borrowing up to £250,000.

Birmingham Live

Jobcentre reform will be at the centre of the Labour Party government’s plans to “get Britain working again”, it has emerged today.

Lancs Live

Energy bills continue to be a heavy burden on household finances, especially for people on lower incomes

Birmingham Live

The regulator changes the price cap every three months, with the latest one set to take effect on January 1 and continue through to March 31.

Leicestershire Live

Energy bills continue to be a heavy burden on household finances, especially for people on lower incomes

Express.co.uk

Ofgem has announced a change in the price cap that will put up the cost of each unit of gas and electricity used from January 1

Express.co.uk

The decisions come against the background of the October budget

Manchester Evening News

The Bank of England has cut the base rate by a quarter point to 4.75 percent but there are fresh questions about whether more rate cuts will follow

Express.co.uk

There are hopes that banks and building societies will be launching cheaper deals, but two factors are worrying financial analysts

What Mortgage

Landlords will be hit with higher stamp duty charges when they purchase property after the Chancellor Rachel Reeves hiked the second home surcharge to 5% today.

The Telegraph

Buy-to-let owners hit back at Prime Minister’s suggestion

Daily Mail

The Government has been asked repeatedly to define the term ‘working people’ in a bid to establish which taxes Chancellor Rachel Reeves could hike next Wednesday.

Express.co.uk

Economists at Goldman Sachs have suggested the Bank of England base rate could come down from the current figure of 5 percent

FTAdviser

Customers accessing their health records via the NHS mobile app could be “a game changer” for the protection market, New Leaf Distribution managing director, Daniel Hobbs, has said.

This Is Money

HSBC has said it will be increasing some of its cheapest mortgage rates - though more expensive deals will be cut.

The Mirror

Mortgage rates have been falling since the start of the year as lenders anticipated a cut to the Bank of England’s base interest rate. This finally happened in August, however, since they have been creeping...

Express.co.uk

Inflation has fallen to below the official target of 2 percent

Sky News

NatWest has become the latest lender to announce mortgage rate hikes.

Birmingham Live

The Chancellor is rumoured to be planning to slash the figure people can take from their pension nest eggs free of tax from the current maximum of £268,750 to £100,000

Leicestershire Live

The move, which is subject to change, could be a major blow to millions of retirement savers who have historically taken the maximum 25 percent tax-free sum from their pension pot

Express.co.uk

Chancellor Rachel Reeves is rumoured to be planning to cut the figure people can take from their pension nest eggs free of tax from the current £268,750

FTAdviser

Coventry Building Society has “killed off any further hopes of a rate war” after raising mortgage rates, according to brokers.

Introducer Today

10 brokers have been asked whether it’s cheaper to buy or to rent, the challenges people face in getting on the ladder and what should be considered.

Grimsby Live

The Bank of England’s decision to keep the base rate on hold can be seen as a sign of fear

Express.co.uk

So-called “Sonia swap rates”, which set the benchmark for lending between financial institutions, have risen slightly over the past week.

The Sun

PAYING for somewhere to live each month is the biggest bill that most of us have to foot. But there can be a big difference in exactly how much this cost is, depending on whether you have a mortgag…

The Mirror

A mortgage price war is been hotting up, with the prospect that the cheapest home loans could break the sub-3% barrier next year, bringing much-needed relief for borrowers after years of pain

Express.co.uk

The move by Barclays follows a reduction earlier in the day from the TSB while other lenders are expected to follow suit over the next few days.

Express.co.uk

Mortgage brokers described the rate cuts across a series of products as “aggressive” and predicted that other major lenders will follow suit

Daily Mail

The Prime Minister sparked panic with a gloomy Downing Street speech on Tuesday, in which he warned Chancellor Rachel Reeves’ upcoming budget would be ‘painful’.

Evening Standard

High street lenders race to grab market share with cheaper deals to tempt buyers

Express.co.uk

Evidence of strong growth in the economy may give experts on the Bank of England reason to hold back further cuts in interest rates, it is claimed.

This Is Money

Over recent weeks, mortgage lenders have been slashing rates in expectations that interest rates are now on a downward trajectory - and that is not set to change.

Evening Standard

Cheaper home loans expected to fuel a bouyant property market in the autumn

The Mirror

The mortgage price war has intensified with Barclays launching the UK’s cheapest home loan at 3.84 percent as banks and building societies battle to attract homebuyers

Express.co.uk

Further cuts are expected in the coming days which are predicted to trigger a rush to buy through the rest of this year.

The Telegraph

Major banks slash ‘lock-in period’ for loan offers as rate cuts intensify

FTAdviser

Introducing a hardship test for landlords will force many good landlords to flee the rental sector, some brokers have warned.

Mail on Sunday

Mortgage holders battered by high borrowing costs can finally see light at the end of the tunnel after lenders cut rates last week.

Express.co.uk

The interest rates at which financial institutions lend money to each other - so-called SWAP - rates have come down in the last few days.

London Property News

Following the Base Rate cut on Thursday, swap rates have improved across the market. Both 2- and 5-year swap rates have dropped circa 9bps and are now around the 3.7%…

Express.co.uk

Clamouring calls for interest rate cuts greet the Bank of England this morning as mortgage holders anxiously await a decision from Andrew Bailey later today.

Introducer Today

Tomorrow’s Interest Rate Decision - stick or drop?

London Property News

New lender, April Mortgages, which offers a range of 5-15-year fixed rates up to 95% LTV, has today increased its loan-to-income caps .…

FTAdviser

The sub-4 per cent mortgage has made a comeback as Nationwide announces a fresh range of rate reductions. Whenthebanksaysno.co.uk managing director, , has stated.

Landlord Today

The new lender April Mortgages - which already offers a range of five to 15-year fixed rates on 95% mortgages, has dramatically increased its loan-to-income caps.

Landlord Today

The latest inflation figures mean there’s no excuse for the Bank of England to keep interest rates at their current high, according to experts.

FTAdviser

The Bank of England has only managed to keep inflation at its target rate for 30 per cent of the time since it gained independence in 1997, data has found.

Express.co.uk

The new spate of mortgage rate cuts comes ahead of the release of important inflation data this week.

FTAdviser

Longer term fixed rates have been 'missing from the landscape for some time', according to some brokers, after a smaller lender stepped up to offer these products.

FTAdviser

Green mortgages can “hugely support” first-time buyers by offering financial incentives to keep costs down, according to Alex Dowling, head of sales and marketing at David Wilson...

Daily Mail

Labour is planning a raft of policies set to send waves through the property market. We look at what is planned and what homeowners can do to protect themselves and benefit from the changes.

inews.co.uk

Mortgage rate cuts follow other lenders including Halifax, HSBC, Barclays and Coventry Building Society slashing prices in recent weeks

Sky News

Charlie Nunn warned homeowners not to expect a return to the ultra-low interest rates seen for most of the last 16 years.

The Sun

MORE than three million households are still set to witness hikes in their mortgage repayments over the next two years. Around 400,000 of these households will see “very large increases”…

Moneyweek

Parents are increasing pocket money payouts due to the higher costs of goods and services. Here is what to consider when deciding your child’s allowance.

Express.co.uk

The maximum loan it will allow on a house in terms of loan to value (LTV) is going up from 85 percent to 90 percent.

Express.co.uk

Barclays and NatWest have already announced significant reductions in recent days and mortgage brokers believe others will follow suit.

Letting Agent Today

The decision of property developer Berkeley Group to enter the private rental sector is bad news for tenants, it’s claimed.

BBC News

The Bank of England keeps borrowing costs unchanged, but hints it could cut rates later in the summer.

Landlord Today

Mortgage experts have criticised the Reform UK housing and tax policies as being superficially appealing but risking a return to the financial damage created by the Liz Truss mini-Budget in 2022.

Introducer Today

Explore the effects of rising mortgage rates on the housing market.

Express.co.uk

That is the day that the latest inflation figure is announced and it will be crucial in terms of whether the Bank of England will decide to cut interest rates the following day.

London Business News

Learn about the results of the Bank of England’s Inflation Attitudes survey. Understand how the cost of living crisis is impacting households.

FTAdviser

Hybrid working has become a staple of financial services since the pandemic, and while research points to the many positives

Express.co.uk

Mortgage brokers have slammed the increases, questioning whether they are justified.

FTAdviser

Brokers have called out the Liberal Democrats’ for “stating the obvious to borrowers” as part of its latest research, after saying many would face mortgage rate hikes before the election.

Business Live

The Competition and Markets Authority has set a deadline of June 14 for views from interested parties

London Property News

The Tories have been ‘as good for the country as too much sugar for a diabetic’ ..…

Express.co.uk

The situation is so serious that brokers are urging City watchdogs at the Financial Conduct Authority (FCA) to take an urgent look at the issue.

Express.co.uk

Labour has indicated it will back a ban on no fault evictions of tenants, while the party is also under pressure to allow councils in some areas to introduce a cap on rents.

Financial Reporter

Today, Rishi Sunak called a surprise early election for the 4th July 2024 in a high-risk move, with the Conservatives trailing 20 points behind Labour in the polls.

Express.co.uk

Mortgage possession actions against home buyers in the first three months of this year were the highest since 2019 with a total of 5,182.

inews.co.uk

Inflation is set to fall when the latest figures are released on Wednesday - in good news for mortgage holders

Express.co.uk

The rise, which equates to 9.5 percent, suggests more of the nation are effectively living on borrowed money.

Express.co.uk

EXCLUSIVE: The move could save households hundreds of pounds on mortgage bills, but people “shouldn’t get complacent”.

Sky News

A third of travellers are making the same mistake when going on holiday, figures show. Read about this and all the latest consumer and personal finance news in the Money blog - and leave a comment or your...

Birmingham Live

Key residential purchase product change highlights include a reduced 5 year Fixed £899 product fee

The Intermediary

“Plonk a tenner on the Grand National and some lenders think you’re a hustler in Vegas,” said one broker.

FTAdviser

A psychic medium telling a client they will live into their 80s and needing to pay for pet insurance are some of the reasons given by clients for not taking out protection cover.

The Intermediary

The latest official jobs data is out and showed, among other things, that the UK unemployment rate was estimated at 4.3% in January to March 2024, above estimates of a year ago, and increased in the latest...

The Intermediary

“The Government will pay the mortgage” & “smoking is not bad for you”, are among the strangest reasons why borrowers have refused life cover.

Express.co.uk

Forty-two percent of new mortgages taken out in the last quarter of 2023 had an end date beyond the state pension age.

The Intermediary

In the last quarter of 2021, nearly a third - 31% - of new mortgages had an end date beyond the state pension age.

Yahoo News

The changes come into effect from tomorrow.

Yahoo News

Bank rates up to 0.22 per cent higher from Tuesday 30 April as the Cost of Living crisis continues across the country.

FTAdviser

A number of changes to Santander’s affordability criteria and to its LTV limits are “a step forward” for those eyeing the upper end of the market, according to one broker.

The Telegraph

House prices fell for the first time in six months in March amid rising mortgage rates, according to a lender.

Express.co.uk

The Bank of England has announced its latest decision on interest rates.

The Intermediary

Atom bank has announced that it is increasing its mortgage rates as of tomorrow (Thursday 21st March).

The Intermediary

The changes will come into effect from tomorrow (21st March 2024).

The Intermediary

A number of brokers have expressed frustration on Newspage recently about the state of mortgage underwriting, specifically around lenders suddenly asking for huge amounts of evidence for even the most...

The Intermediary

The number of registered company insolvencies in February 2024 was 2,102, 17% higher than in the same month in the previous year.

The Intermediary

Across its remortgage products including large loans, Affordable Housing – Shared Equity/ Shared Ownership and equivalent green home products, the lender will be introducing rate increases up to 0.17%...

The Intermediary

Real GDP was estimated to have fallen by 0.1% in the three months to January 2024, compared with the three months to October 2023.

Mortgage Solutions

The proposed merger of Nationwide and Virgin Money will reinforce Nationwide’s position in the market and be a sign of more M&A activity.

Express.co.uk

Nationwide is set to become the UK’s second largest mortgage and savings group after acquiring Virgin Money.

Evening Standard

Sky

Brokers are saying the shift upwards in mortgage rates is affecting what had initially looked like a bright start to 2024. Read this and more in the Money blog, your place for consumer and economic news....

What Mortgage

Borrowers on the brink of taking a mortgage are being encouraged to scrutinise their options as more mortgage lenders raise their rates.

The Intermediary

UK Finance’s Q4 2023 report on later life mortgage lending reveals a substantial downturn in the market, with new loans to older borrowers decreasing by 37.1% year-on-year.

Property Investor Today

Warning as Buy To Let investors’ arrears double in a year

inews.co.uk

Inflation stayed at 4 per cent in a surprise to economists. Here’s what it means for mortgage rates

The Intermediary - Latest UK mortgage news

Inflation held at 4% in January, according to the latest figures from the Office for National Statistics (ONS).

The Intermediary - Latest UK mortgage news

In addition, buy-to-let (BTL) mortgages in arrears also saw an increase during this period, rising by 18% to 13,570.

Introducer Today

Worrying rise in mortgage arrears and repossessions - new data

FTAdviser

Brokers have said most people will be impacted by rising mortgage costs, regardless of their wealth.

Express.co.uk

The gap between remortgage and purchase rates being offered by some of the big lenders is “spreading”, experts said.

inews.co.uk

More lenders have started to increase mortgage rates after a period of deductions

FTAdviser

Brokers have questioned how the government expects households to cope with increased mortgage costs if minsters themselves are struggling.

The Intermediary - Latest UK mortgage news

HSBC’s max age at the end of term remains 80 however, affordability needs to be evidenced up to the 70th birthday of the oldest applicant.

FTAdviser

NatWest announcing a reduction in its buy-to-let stress test rates is a “massive win for landlords”, according to Our Mortgage Broker Limited director, Akhil Mair.

Mortgage Solutions

Around 64 per cent of advisers have seen a rise in customers choosing interest-only mortgages in the last year, a poll has found.

The Intermediary - Latest UK mortgage news

An additional range of products with better rates and higher fees has also been introduced by the lender.

This Is Money

Santander will be increasing rates on all of its mortgages, including its best-buy two-year fix and exclusive rates for first-time buyers.

Mortgage Solutions

Around 64 per cent of advisers have seen a rise in customers choosing interest-only mortgages in the last year, a poll has found.

Evening Standard

However, brokers said the change was unlikely to be the first step in a wave of big price increases

Birmingham Live

You must submit new business applications on Santander’s current range by 10pm on Tuesday January 23, the bank has said.

The Intermediary - Latest UK mortgage news

The lender is set increase selected residential fixed rates for both purchase and remortgage clients – as well as withdrawing all of its first-time buyer fixed rates with £500 cashback.

The Intermediary - Latest UK mortgage news

The lender is set increase selected residential fixed rates for both purchase and remortgage clients – as well as withdrawing all of its first-time buyer fixed rates with £500 cashback.

The Intermediary - Latest UK mortgage news

Barclays reduces fixed mortgage rates by up to 0.5%, moving towards sub-4% offerings for home movers and remortgage clients.

The Intermediary - Latest UK mortgage news

Clydesdale Bank has reduced selected fixed mortgage rates by up to 0.72% today, suggesting once again that lenders may be shrugging off this week’s inflation print.

The Intermediary - Latest UK mortgage news

December’s 3.2% decrease was the largest monthly fall since January 2021, when coronavirus (COVID-19) restrictions affected sales.

The Intermediary - Latest UK mortgage news

Lenders told the survey they expected the availability of secured credit to remain unchanged in Q1 2024.

The Intermediary

Lenders are not letting a small increase in inflation spoil the recent pattern of fixed rate cuts, with both Santander and Skipton announcing cuts this morning.

The Intermediary - Latest UK mortgage news

Lenders are not letting a small increase in inflation spoil the recent pattern of fixed rate cuts, with both Santander and Skipton announcing cuts this morning.

The Intermediary - Latest UK mortgage news

The Consumer Prices Index (CPI) in the UK sees a slight increase in the year to December 2023

Express.co.uk

Interest rate cuts will see one Metro Bank customer save as much as £35,200 in two years, one broker has said.

Lancs Live

Experts say it’s “fantastic news for the consumer and the wider property market”

The Intermediary - Latest UK mortgage news

The new rate changes include 2-year fixed rate first-time buyer and homemover products reduced by up to 0.30% and 3-year fixed remortgage products reduced by 0.45%.

Express.co.uk

Interest rate cuts will see one Metro Bank customer save as much as £35,200 in two years, one broker has said.

Yahoo Finance

Both inflation and jobs data - two key pieces of information for the Monetary Policy Committee - will be published by the ONS this week

Birmingham Live

HSBC has become the latest lender to cut mortgage prices on Monday ahead of a big week for UK households’ finances amid the Bank of England interest rate decision.

Evening Standard

Both inflation and jobs data - two key pieces of information for the Monetary Policy Committee - will be published by the ONS this week

The Intermediary

The lender has increased its cashback incentive offering for first-time buyer customers at 95% loan-to-value.