ALL LENDER UPDATES

We often get asked whether we offer heavy refurb bridging. Just to keep things clear — we don’t, we only do light refurb. Here’s a quick breakdown: Light Refurb The property needs to be watertight, structurally sound, and have all utilities connected. Cosmetic updates only (painting, flooring, kitchen refreshes, etc.). No brownfield or development sites. What […]

We’re pleased to confirm that ARs can now submit directly to Nottingham Building Society, no longer via L&G Mortgage Club. This change gives you more control and access to a lender known for flexible underwriting, niche product support, and a pragmatic approach to complex clients—particularly across Residential, Buy-to-Let, and Foreign National/Expat lending. Foreign National &

Residential products for real people. PAYE may still be the norm, but the non-conformers are on the rise. Those brave enough to take the plunge and be their own boss, work a second job or turn their hobby into an income.   That’s why, at TML, we’ve been working hard to evolve our products as everyone deserves

We’re making some changes to our existing customer mortgage range. These changes affect new additional borrowing applications only. Key Product Updates – Additional Borrowing New Green Residential and Buy to Let Additional Borrowing products will be introduced on Monday 17 November 2025. Latest Updates See our latest updates for details. You’ll be able to apply for any new

The rental market could be on the verge of seeing a boost from an unlikely source. There has been much commentary on how homeowners are ending up “stuck” with assets they can’t sell. Whether they inherit a property, or struggle to sell their existing home as they try to move, many people are being forced

Not every great client fits neatly into policy and that’s where our flexible approach makes a real difference. A recent applicant had only one year of bonus evidence after switching from contracting to full-time employment. On paper, that didn’t meet standard criteria. But the wider profile stood out: The employer had a clear and established bonus scheme

We have re-entered the 80% LTV Buy to Let market and reduced rates across our Residential and Buy to Let Ranges by up to 50bps, effective from today. Sourcing systems and Product Guides have been updated to reflect these changes. What else is new?  Residential (new business and existing customers) Core Range: New 5 year

We’ve increased our loan size on repayment to £3m (75% LTV) and £1m (90% LTV), helping customers with complex incomes borrow more and secure their future homes. Here’s how maximum loans and LTV on repayment look now: £1m at 90% LTV £2m at 85% LTV £2.5m at 80% LTV £3m at 75% LTV Together with

Our Joint Borrower Sole Proprietor (JBSP) is designed to give family members the opportunity to help each other achieve their housing goals, and in some cases earlier than otherwise expected. JBSP mortgages can be used by first time buyers or second steppers needing help with affordability. We can also support clients in retirement or help parents

We’ve reduced selected rates within our buy to let range and introduced three new products, helping you support your clients seeking greater flexibility in an uncertain market. Today’s change F1 5 Year Fixed ERC3 reduced by 0.10% to 5.54% with a 1% fee up to 75% LTV F1 2 Year Discount initial rate reduced by 0.05%