later life lending Raws

15 October 2026 · 3 expert responses

Bank of England policymakers divided over inflation risk facing UK

According to Bloomberg , Bank of England policymakers are said to be divided over whether rates need to rise to stop the latest energy-price shock feeding into persistent inflation. Questions asked of experts: What are…

14 October 2026 · 5 expert responses

Mortgages for doctors: what can doctors really borrow?

Newspage is doing a deep dive into what doctors can and can’t borrow on a mortgage, built on what brokers are actually seeing with real cases. Lenders market professional mortgage schemes to doctors with higher income…

14 October 2026 · 4 expert responses

To borrow, or not to borrow: the mortgage challenges facing actors

We’re writing an article on the challenges actors face when they try to get a mortgage, and we're keen to hear from brokers who are familiar with this type of borrower. Earlier this year, the Actors’ Trust’s Spotlights…

14 October 2026 · 11 expert responses

Average fixed rates by Christmas

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One question, nice and easy: do you think average mortgage rates will be higher by Christmas, lower, or roughly the same - and why?

14 October 2026 · 4 expert responses

Source: Rohit Kohli, Senior Mortgage Adviser - Residential & Commercial

Broker alert: The lenders the FCA can’t see

Who is looking after borrowers when the lender sits outside the rules? A broker has come across a case that brings that question into sharp focus. After a difficult period, a client took a short-term bridging loan that…

14 October 2026 · 6 expert responses

Source: Justin Moy, EHF Mortgages

HSBC Reducing Fixed Rates as Market Stabilises

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HSBC has just confirmed that their rates will be reducing from the 15th October. Details - https://images.mail.insight.business.hsbc.com/Web/HSBCGlobalServicesUKLimited/%7B7271ba00-ceed-47df-991b-6c9756bd361d%7D_Rate_Sum…

14 October 2026 · 5 expert responses

Doctors in private practices treated as self-employed or freelancers by lenders – what does this mean?

Despite an NHS consultant or a GP partner potentially having multiple sources of income, when it comes to getting a mortgage, they may end up being judged by the same rules written for sole traders. Of the 10 UK lenders…

13 October 2026 · 6 expert responses

Barrister mortgages

How easy or difficult is it for barristers to get mortgages? There are 17,864 practising barristers in England and Wales and 83% of them are self-employed, paid by the brief, often months after the work, with aged debt…

12 October 2026 · 7 expert responses

Mortgage declined: why are lenders saying no to more people?

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Mortgage Soup: Mortgage brokers warn DIPs are giving borrowers false confidence

‘Mortgage declined’ is a phrase nobody wants to hear but many prospective borrowers do, and more of them than before. Newspage research has found that lenders have been approving a smaller share of mortgage applications…

12 October 2026 · 4 expert responses

Will a £90,000 income cap lock ordinary working couples out of Your First Home?

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Households earning more than £90,000 outside London (£110,000 inside London) are expected to be excluded from the revived Help to Buy scheme, Your First Home, unveiled by Prime Minister Burnham, The Times reports . But…

11 October 2026 · 5 expert responses

Doctors with private practice income: how do lenders really treat it?

Newspage is researching how the UK’s biggest lenders treat NHS consultants and GP partners whose income comes from more than one place — NHS salary, private practice, a limited company, or partnership drawings. The…

9 October 2026 · 5 expert responses

Source: Tony Sanchez, Bridging Loan Directory

What would help private landlords meet tighter repair deadlines?

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Bridging Loan Directory: Awaab’s Law: landlords highlight contractor availability and repair reserves

The government is consulting on extending Awaab’s Law to private rented homes in England, introducing enforceable timescales for investigating and making serious hazards safe. Options include a 24-hour emergency…

9 October 2026 · 3 expert responses

What are the red flags that you should watch out for with bridging loans?

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Daily Mirror: Experts warn financial ‘red flag’ can turn into ‘expensive mistake’

Bridging loans can fill a gap when buying before selling, at auction or on a property a mainstream lender won’t touch. But they’re short-term, expensive, and secured on property. A loan that can’t be repaid on time can…

9 October 2026 · 2 expert responses

Source: Tony Sanchez, Bridging Loan Directory

What happens when a bridging loan exit is delayed?

Bridging Loan Directory asked brokers and lenders about recent cases where a property sale or planned mortgage refinance did not complete before a bridging loan’s repayment deadline. Did the borrower agree an extension,…

8 October 2026 · 4 expert responses

Can I use RSUs for a mortgage? Most big lenders won't say

With Anthropic and OpenAI expanding in London, more buyers are paid partly in restricted stock units (RSUs) or in US dollars. But lenders rarely say whether they count it. Newspage's initial analysis of 10 large…

8 October 2026 · 10 expert responses

Mortgage rate hikes see sub-5% fixes vanish as average five-year fixed hits 6%

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The Times: Will £1m really be enough for you to retire?

The number of sub-5% fixed mortgage deals has plummeted during September, while the average five-year fixed rate has now hit 6%, according to Moneyfactscompare.co.uk analysis. The number of sub-5% fixed mortgage deals…

7 October 2026 · 13 expert responses

Lloyds House Price Index out – what are the trends behind the headlines?

Lloyds has released its house price index this morning. Please read through it, we want to do a story that isn't just on the headline figures. For example, London, the south-east and the east are seeing pretty heavy…

Newspage Raws