Mortgage Strategy
@mortgagestrategy.bsky.social
News and insight for mortgage specialists. Editor: Rebekah Commane | Deputy editor: David Burrows
The UK's leading source of news, analysis, insight, and expert views for mortgage brokers and intermediaries. Home of the Mortgage Strategy Awards, a must-att
The UK's leading source of news, analysis, insight, and expert views for mortgage brokers and intermediaries. Home of the Mortgage Strategy Awards, a must-att
Perenna joins Primis Mortgage Network lender panel
Perenna joins Primis Mortgage Network lender panel – Mortgage Strategy
Long-term lender Perenna has joined the panel of Primis Mortgage Network. Primis has more than 1,000 appointed representative firms and more than 2,000
www.mortgagestrategy.co.uk
December 3, 2025 at 1:09 PM
Perenna joins Primis Mortgage Network lender panel
Notts BS launches new BTL range
Notts BS launches new BTL range
Nottingham Building Society has launched buy-to-let (BTL) products designed to support landlords following the Chancellor’s decision to raise property
www.mortgagestrategy.co.uk
December 3, 2025 at 1:07 PM
Notts BS launches new BTL range
HSBC UK expands cashback for FTBs and cuts mortgage rates
HSBC UK expands cashback for FTBs and cuts mortgage rates
HSBC UK has expanded its first-time buyer cashback incentive and increasing the amount available from £700 to £2,000. Cashback has also been introduced
www.mortgagestrategy.co.uk
December 3, 2025 at 1:05 PM
HSBC UK expands cashback for FTBs and cuts mortgage rates
Saffron launches specialist lending updates
Saffron launches specialist lending updates
Saffron for Intermediaries has launched a set of specialist lending updates, including bridging finance to create an end-to-end property development
www.mortgagestrategy.co.uk
December 3, 2025 at 11:29 AM
Saffron launches specialist lending updates
NatWest and Santander join FCA’s AI testing scheme
NatWest and Santander join FCA's AI testing scheme
NatWest and Santander are among the firms that have signed up to the Financial Conduct Authority's (FCA's) new artificial intelligence (AI) testing
www.mortgagestrategy.co.uk
December 3, 2025 at 11:28 AM
NatWest and Santander join FCA’s AI testing scheme
Accord removes FTB minimum income requirement for borrowing 4.5x income
Accord removes FTB minimum income requirement for borrowing 4.5x income
Accord Mortgages has removed its minimum income requirement for first-time buyers to access mortgages up to 5.5 times their income, provided they meet all
www.mortgagestrategy.co.uk
December 3, 2025 at 11:27 AM
Accord removes FTB minimum income requirement for borrowing 4.5x income
Foundation launches BTL limited editions and cuts rates, Clydesdale Bank trims prices
Foundation launches BTL limited editions and cuts rates, Clydesdale Bank trims prices
Foundation Home Loans has launched a new F1 buy-to-let (BTL) Limited Edition five-year, fixed-rate product for portfolio landlords, and reduced the rate
www.mortgagestrategy.co.uk
December 3, 2025 at 10:02 AM
Foundation launches BTL limited editions and cuts rates, Clydesdale Bank trims prices
Norton Home Loans joins L&G’s Mortgage Club lender panel
Norton Home Loans joins L&G’s Mortgage Club lender panel
L&G Mortgage Club has signed Norton Home Loans onto its lender panel. The deal gives L&G members access to all of Norton's second charge mortgage
www.mortgagestrategy.co.uk
December 3, 2025 at 10:02 AM
Norton Home Loans joins L&G’s Mortgage Club lender panel
UK’s major lenders pass BoE stress tests
UK's major lenders pass BoE stress tests
Britain's major lenders have all passed the Bank of England's latest round of stress tests. The BoE's latest Financial Stability report shows that the
www.mortgagestrategy.co.uk
December 2, 2025 at 3:54 PM
UK’s major lenders pass BoE stress tests
Average rent cost drops for fourth consecutive month: Goodlord
Average rent cost drops for fourth consecutive month: Goodlord
The average cost of rent across England reduced by 2.4% during November, taking averages down from £1,276 in October to £1,245 in November, Goodlord
www.mortgagestrategy.co.uk
December 2, 2025 at 3:52 PM
Average rent cost drops for fourth consecutive month: Goodlord
Mortgage Strategy will announce the inaugural MS NextGen 30 rising stars for 2026 on 4 December. After a highly competitive assessment, the judging panel has selected a group that reflects the future strength of the industry.
Read the full article:
Read the full article:
MS NextGen to reveal its 30 rising stars for 2026
The esteemed Mortgage Strategy NextGen judging panel will later this week announce its first ever 30 rising stars for the class of 2026.
www.mortgagestrategy.co.uk
December 2, 2025 at 3:42 PM
Mortgage Strategy will announce the inaugural MS NextGen 30 rising stars for 2026 on 4 December. After a highly competitive assessment, the judging panel has selected a group that reflects the future strength of the industry.
Read the full article:
Read the full article:
MIT Live is just one week away. The event will deliver practical insights into AI-led tools, smarter workflows and the strategies shaping the future of mortgage advice.
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Read the full article:
One week left before MIT Live!
The countdown is officially on for the biggest event in mortgage innovation. Mortgage Strategy’s Mortgage Innovation & Technology Live (MIT Live)
www.mortgagestrategy.co.uk
December 2, 2025 at 2:29 PM
MIT Live is just one week away. The event will deliver practical insights into AI-led tools, smarter workflows and the strategies shaping the future of mortgage advice.
Read the full article:
Read the full article:
Blog: Three reasons to be cheerful about AMI’s Viewpoint 2025
Blog: Three reasons to be cheerful about AMI’s Viewpoint 2025
I see three clear reasons to be cheerful about AMI’s Viewpoint 2025 The Next Chapter. Despite the fact that, at first glance at least, it appears to be a
www.mortgagestrategy.co.uk
December 2, 2025 at 2:13 PM
Blog: Three reasons to be cheerful about AMI’s Viewpoint 2025
Paragon increases BTL maximum loan limits
Paragon increases BTL maximum loan limits
Paragon Bank has increased its maximum loan limits across its range of buy-to-let (BTL) mortgages, as well as removing minimum income requirements for
www.mortgagestrategy.co.uk
December 2, 2025 at 2:12 PM
Paragon increases BTL maximum loan limits
FOS wrote off £900,000 for abandoned AI tool
FOS wrote off £900,000 for abandoned AI tool
The Financial Ombudsman Service wrote off £900,000 for an abandoned artificial intelligence tool, its latest accounts show. The complaints watchdog’s
www.mortgagestrategy.co.uk
December 2, 2025 at 2:12 PM
FOS wrote off £900,000 for abandoned AI tool
Advise Wise adds later life cost of borrowing tool
Advise Wise adds later life cost of borrowing tool
Advise Wise has launched a later life cost of borrowing calculator to help advisers in discussions with their clients. The sourcing platform says the tool
www.mortgagestrategy.co.uk
December 2, 2025 at 10:37 AM
Advise Wise adds later life cost of borrowing tool
Vernon launches expat BTL deal
Vernon launches expat BTL deal
Vernon Building Society has launched an expat buy-to-let mortgage for British nationals living overseas who want to purchase or retain rental property in
www.mortgagestrategy.co.uk
December 2, 2025 at 9:56 AM
Vernon launches expat BTL deal
BTL incorporation accelerates amid changing tax and reg landscape: Pegasus
BTL incorporation accelerates amid changing tax and reg landscape: Pegasus
Incorporation is becoming an increasingly important strategy for landlords adapting to a changing tax and regulatory landscape, Pegasus Insight reveals.
www.mortgagestrategy.co.uk
December 2, 2025 at 9:56 AM
BTL incorporation accelerates amid changing tax and reg landscape: Pegasus
House prices growth soften to 1.8% in November: Nationwide
House prices growth soften to 1.8% in November: Nationwide
Annual house price growth softened slightly to 1.8% in November from 2.4% the previous month, the latest index from Nationwide reveals. The building
www.mortgagestrategy.co.uk
December 2, 2025 at 9:56 AM
House prices growth soften to 1.8% in November: Nationwide
Dudley refreshes two- and five-year fixes, Cumberland trims core holiday let prices
Dudley refreshes two- and five-year fixes, Cumberland trims core holiday let prices
Dudley Building Society has launched a refreshed range of two and five-year fixed and discount products across residential, buy-to-let (BTL), holiday let
www.mortgagestrategy.co.uk
December 2, 2025 at 8:48 AM
Dudley refreshes two- and five-year fixes, Cumberland trims core holiday let prices
Market Harborough joins Imla as full member
Market Harborough joins Imla as full member
Market Harborough Building Society has joined the Intermediary Mortgage Lenders Association (Imla) as a full member. The society lends nationally,
www.mortgagestrategy.co.uk
December 2, 2025 at 8:47 AM
Market Harborough joins Imla as full member
OBR describes early release of Budget “worst failure in 15-year history”
OBR describes early release of Budget "worst failure in 15-year history"
The Office for Budget Responsibility (OBR) has described its early release of the Autumn Budget as its "worst failure in the 15-year history of the OBR".
www.mortgagestrategy.co.uk
December 1, 2025 at 4:11 PM
OBR describes early release of Budget “worst failure in 15-year history”
Octopus Capital and Vistry to deliver affordable homes in North Devon
Octopus Capital and Vistry to deliver affordable homes in North Devon
Octopus Capital has agreed a forward funding deal to support the delivery of 82 new affordable homes across Northam and Bideford in North Devon in
www.mortgagestrategy.co.uk
December 1, 2025 at 1:56 PM
Octopus Capital and Vistry to deliver affordable homes in North Devon
Vickers Young joins Stonebridge
Vickers Young joins Stonebridge
Mortgage and protection firm Vickers Young has joined Stonebridge. Founded in 2012 by managing director Corby Macdonald, the Leicestershire firm expanded
www.mortgagestrategy.co.uk
December 1, 2025 at 12:22 PM
Vickers Young joins Stonebridge
Esteemed names turn out for Take Me Home concert
Esteemed names turn out for Take Me Home concert
Congratulations to all who attended the concert on 26 November in support of Every Youth, a charity dedicated to tackling teenage homelessness across
www.mortgagestrategy.co.uk
December 1, 2025 at 11:41 AM
Esteemed names turn out for Take Me Home concert