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Mortgage Strategy

@mortgagestrategy.bsky.social

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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

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Mortgage Strategy @mortgagestrategy.bsky.social · 14m

Halifax and Foundation lower rates, Bucks reprices range www.mortgagestrategy.co.uk/news/hal…

mortgagestrategy.co.uk

Halifax and Foundation lower rates, Bucks reprices range

Halifax Intermediaries is making selected rate reductions of up to 0.10% on two-, three- and five-year fixed products. The changes come into effect

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Mortgage Strategy @mortgagestrategy.bsky.social · 28m

Proof of income and affordability biggest challenge for brokers serving expat borrowers www.mortgagestrategy.co.uk/news/pro…

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Mortgage Strategy @mortgagestrategy.bsky.social · 49m

LSL hires Surridge as propositions director www.mortgagestrategy.co.uk/news/lsl…

mortgagestrategy.co.uk

LSL hires Surridge as propositions director

LSL Financial Services has appointed Matt Surridge to the newly created role of propositions director. Surridge will lead the development of the group’s

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Mortgage Strategy @mortgagestrategy.bsky.social · 1h

conveybuddy hires Christodoulides as head of distribution www.mortgagestrategy.co.uk/news/con…

mortgagestrategy.co.uk

conveybuddy hires Christodoulides as head of distribution

conveybuddy has appointed Luke Christodoulides as its head of distribution. Christodoulides joins conveybuddy following more than 22 years at NatWest,

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Mortgage Strategy @mortgagestrategy.bsky.social · 1h

Rate fears weigh on buyer confidence: RICS www.mortgagestrategy.co.uk/news/rat…

mortgagestrategy.co.uk

Rate fears weigh on buyer confidence: RICS

Buyer demand weakened in September as fears over rising interest rates weighed on confidence, the latest Royal Institution of Chartered Surveyors survey

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Mortgage Strategy @mortgagestrategy.bsky.social · 1h

Your First Home scheme could save homebuyers £21,500 www.mortgagestrategy.co.uk/news/you…

mortgagestrategy.co.uk

Your First Home scheme could save homebuyers £21,500

The government's Your First Home scheme could save first-time buyers almost £21,500 over the first five years of homeownership, research shows. Analysis

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Mortgage Strategy @mortgagestrategy.bsky.social · 1h

Mortgage demand fell sharply in Q3: BoE www.mortgagestrategy.co.uk/news/mor…

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Mortgage Strategy @mortgagestrategy.bsky.social · 07/10/2026

Nearly half of 18-40s have faced housing insecurity www.mortgagestrategy.co.uk/news/nea…

mortgagestrategy.co.uk

Nearly half of 18-40s have faced housing insecurity

Almost half of 18 to 40 year-olds have experienced housing insecurity in the past five years, new research suggests. A survey by financial education

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Mortgage Strategy @mortgagestrategy.bsky.social · 07/10/2026

Accord and Notts BS lower rates, Kensington increases prices www.mortgagestrategy.co.uk/news/acc…

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Mortgage Strategy @mortgagestrategy.bsky.social · 07/10/2026

Almost eight in 10 property experts see homebuying reforms as positive www.mortgagestrategy.co.uk/news/alm…

mortgagestrategy.co.uk

Almost eight in 10 property experts see homebuying reforms as positive

Almost eight in 10 property professionals think mooted government reforms to homebuying and selling will be positive for the industry and consumers,

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Mortgage Strategy @mortgagestrategy.bsky.social · 07/10/2026

House prices were unchanged in September: Lloyds www.mortgagestrategy.co.uk/news/hou…

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Mortgage Strategy @mortgagestrategy.bsky.social · 07/10/2026

Average UK room rent hits record £769 per month: SpareRoom www.mortgagestrategy.co.uk/news/ave…

mortgagestrategy.co.uk

Average UK room rent hits record £769 per month: SpareRoom

The average UK room rent reached a record £769 a month in the third quarter of 2026, according to SpareRoom. Average rents rose 1% from £762 a year

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Mortgage Strategy @mortgagestrategy.bsky.social · 07/10/2026

Average rent for a room in London tops £1k: SpareRoom www.mortgagestrategy.co.uk/news/ave…

mortgagestrategy.co.uk

Average rent for a room in London tops £1k: SpareRoom

The average rent for a room in inner London has reached £1,002 per month, figures from Spare Room show. For the purpose of its research, flat-sharing

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Mortgage Strategy @mortgagestrategy.bsky.social · 07/10/2026

Mortgage purchase activity falls further as remortgaging rebounds: Stonebridge www.mortgagestrategy.co.uk/news/mor…

mortgagestrategy.co.uk

Mortgage purchase activity falls further as remortgaging rebounds: Stonebridge

Mortgage applications for home purchases fell sharply in the third quarter, although a remortgage rebound helped ease the overall decline, according to

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Mortgage Strategy @mortgagestrategy.bsky.social · 06/10/2026

Shawbrook has cut rates on selected buy-to-let products, including reductions of up to 25bps on larger loans. www.mortgagestrategy.co.uk/news/sha…

mortgagestrategy.co.uk

Shawbrook cuts buy-to-let rates as Foundation pulls 90% LTV products

Shawbrook has cut rates on selected buy-to-let products, including reductions of up to 25bps on larger loans. The changes came into effect today (6

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Mortgage Strategy @mortgagestrategy.bsky.social · 06/10/2026

Teachers Building Society for Intermediaries (TFI) has increased the maximum loan-to-value (LTV) limits to 95% for both new-build houses and flats. www.mortgagestrategy.co.uk/news/tea…

mortgagestrategy.co.uk

Teachers for Intermediaries ups new-build lending to 95% LTV

Teachers Building Society for Intermediaries (TFI) has increased the maximum loan-to-value (LTV) limits to 95% for both new-build houses and flats. The

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Mortgage Strategy @mortgagestrategy.bsky.social · 06/10/2026

More than £900 million was invested in the UK build to rent (BTR) sector in the third quarter of 2026, Savills reports. www.mortgagestrategy.co.uk/news/btr…

mortgagestrategy.co.uk

BTR investment surpasses £900m as volumes reach record high: Savills

More than £900 million was invested in the UK build to rent (BTR) sector in the third quarter of 2026, Savills reports. Savills reveals year-to-date

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Mortgage Strategy @mortgagestrategy.bsky.social · 06/10/2026

Finfluencers should be ‘rounded up and sent to Abu Dhabi’, says adviser www.moneymarketing.co.uk/news/finfl…

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Mortgage Strategy @mortgagestrategy.bsky.social · 06/10/2026

September UK construction output fell at its slowest pace this year, according to the latest S&P Global UK Construction Purchasing Managers’ Index (PMI) data. www.mortgagestrategy.co.uk/news/uk-…

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Mortgage Strategy @mortgagestrategy.bsky.social · 06/10/2026

The average disposable household income across the UK rose by 3.5% to £39,200 in 2025, the latest official estimates show. www.mortgagestrategy.co.uk/news/ave…

mortgagestrategy.co.uk

Average household disposable income rises to £39,200: ONS

The average disposable household income across the UK rose by 3.5% to £39,200 in 2025, the latest official estimates show. It is arguably the most

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Mortgage Strategy @mortgagestrategy.bsky.social · 06/10/2026

The Cambridge Building Society has opened applications for its Rent to Home initiative, which enables renters to reclaim up to 70% of the rent they pay to use as a deposit for their first home. www.mortgagestrategy.co.uk/news/the…

mortgagestrategy.co.uk

The Cambridge opens applications for Rent to Home initiative

The Cambridge Building Society has opened applications for its Rent to Home initiative, which enables renters to reclaim up to 70% of the rent they pay to

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Mortgage Strategy @mortgagestrategy.bsky.social · 06/10/2026

Paragon Bank has appointed Simon Cockerill as commercial director of mortgages. www.mortgagestrategy.co.uk/news/par…

mortgagestrategy.co.uk

Paragon appoints Cockerill as commercial director of mortgages

Paragon Bank has appointed Simon Cockerill as commercial director of mortgages. Cockerill joins Paragon with 28 years of experience across mortgage sales

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Mortgage Strategy @mortgagestrategy.bsky.social · 06/10/2026

Gen H has cut selected residential mortgage rates by up to 30 basis points, with the largest reductions applying at 95% LTV. www.mortgagestrategy.co.uk/news/gen…

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Mortgage Strategy @mortgagestrategy.bsky.social · 06/10/2026

There were more than 1.9 million mortgage searches recorded as remortgaging drives a sharp post-summer increase in adviser activity, Twenty7tec data reveals. www.mortgagestrategy.co.uk/news/rem…

mortgagestrategy.co.uk

Remortgage activity surges in Q3

There were more than 1.9 million mortgage searches recorded as remortgaging drives a sharp post-summer increase in adviser activity, Twenty7tec data

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Mortgage Strategy @mortgagestrategy.bsky.social · 06/10/2026

Pepper Money has called on the government to review shared ownership income caps after research found some aspiring buyers are being excluded despite struggling to buy on the open market. www.mortgagestrategy.co.uk/news/pep…

mortgagestrategy.co.uk

Pepper urges ministers to review income caps on shared ownership

Pepper Money has called on the government to review shared ownership income caps after research found some aspiring buyers are being excluded despite

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Mortgage Strategy @mortgagestrategy.bsky.social · 06/10/2026

UK residential construction remains in a slump, with the value of started projects 33% lower than the same period last year, according to new data from Glenigan. www.mortgagestrategy.co.uk/news/uk-…

Framing stage of a new home under construction in Elk Grove, California.

Mortgage Strategy @mortgagestrategy.bsky.social · 05/10/2026

Accord Mortgages is cutting rates on its residential new business product range, effective tomorrow. www.mortgagestrategy.co.uk/news/acc…

mortgagestrategy.co.uk

Accord lowers resi new business rates by 0.10%

Accord Mortgages is cutting rates on its residential new business product range, effective tomorrow. The range refresh sees reductions of 0.10% applied to

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Mortgage Strategy @mortgagestrategy.bsky.social · 05/10/2026

Propertymark head of policy and campaigns Timothy Douglas has backed Katie Lam’s housing calls at today’s Conservative Conference in Birmingham. www.mortgagestrategy.co.uk/news/pro…

Drone shot capturing the houses and streets in a suburban area of Luton, England.

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Mortgage Strategy @mortgagestrategy.bsky.social · 05/10/2026

National Friendly has launched a short-term income protection product. www.mortgagestrategy.co.uk/news/nat…

mortgagestrategy.co.uk

National Friendly launches Mortgage Protect

National Friendly has launched a short-term income protection product. The new product, Mortgage Protect, has been designed to protect customers' mortgage

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Mortgage Strategy @mortgagestrategy.bsky.social · 05/10/2026

Most consumers haven’t closed the door on protection: Ami www.mortgagestrategy.co.uk/news/mos…

mortgagestrategy.co.uk

Most consumers haven't closed the door on protection: Ami

Among the different reasons given for not buying protection by those that dropped out, between 79% and 95% of consumers said something could have changed

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Mortgage Strategy @mortgagestrategy.bsky.social · 05/10/2026

The average cost of moving home in England has reached £17,413, according to Reallymoving, down slightly on last year, but an increase of 74% over the past decade. www.mortgagestrategy.co.uk/news/cos…

mortgagestrategy.co.uk

Cost of moving home is now £17,413: Reallymoving

The average cost of moving home in England has reached £17,413, according to Reallymoving, down slightly on last year, but an increase of 74% over the

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Mortgage Strategy @mortgagestrategy.bsky.social · 05/10/2026

TSB and Coventry Building Society are increasing rates, while Accord is trimming some residential prices. www.mortgagestrategy.co.uk/news/tsb…

mortgagestrategy.co.uk

TSB and Coventry make further rate increases

TSB and Coventry Building Society are increasing rates, while Accord is trimming some residential prices. On Wednesday, TSB will increase selected

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Mortgage Strategy @mortgagestrategy.bsky.social · 05/10/2026

BetterHome Group UK has appointed Anthony Glasgow as chief operating officer. www.mortgagestrategy.co.uk/news/bet…

mortgagestrategy.co.uk

BetterHome Group hires Glasgow as COO

BetterHome Group UK has appointed Anthony Glasgow as chief operating officer. Glasgow brings more than 20 years of leadership experience across the UK

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Mortgage Strategy @mortgagestrategy.bsky.social · 05/10/2026

The average five-year fixed mortgage rate has hit 6% and the average two-year fix is close behind at 5.98%, according to Moneyfacts. www.mortgagestrategy.co.uk/news/ave…

mortgagestrategy.co.uk

Average five-year fixed hits 6%: Moneyfacts

The average five-year fixed mortgage rate has hit 6% and the average two-year fix is close behind at 5.98%, according to Moneyfacts. Both rates are now at

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Mortgage Strategy @mortgagestrategy.bsky.social · 05/10/2026

Pivotal has acquired Proper Advice, a Chester-based mortgage and protection broker specialising in remortgage and debt consolidation advice. www.mortgagestrategy.co.uk/news/piv…

mortgagestrategy.co.uk

Pivotal acquires Proper Advice

Pivotal has acquired Proper Advice, a Chester-based mortgage and protection broker specialising in remortgage and debt consolidation advice. The deal is

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Mortgage Strategy @mortgagestrategy.bsky.social · 05/10/2026

Hampshire Trust Bank has appointed Mia House as head of internal business development managers as it expands its broker support team. www.mortgagestrategy.co.uk/news/htb…

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Mortgage Strategy @mortgagestrategy.bsky.social · 05/10/2026

Average landlord portfolio rises to 18 properties as rental yield increases to 7.9% in England and Wales: Fleet www.mortgagestrategy.co.uk/news/ave…

mortgagestrategy.co.uk

Average landlord portfolio rises to 18 properties as rental yield increase to 7.9% in England and Wales: Fleet

Average annual rental yields across England and Wales increased to 7.9% in Q3 2026, while the average number of investment properties owned by landlords

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Mortgage Strategy @mortgagestrategy.bsky.social · 02/10/2026

How do you make conveyancing relatable? Amelia Holmes explains turning legal jargon into accessible messaging and the power of mentorship on the MS NextGen Podcast. Listen: ow.ly/pgWO50ZTW4z #MSNG26

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Mortgage Strategy @mortgagestrategy.bsky.social · 02/10/2026

NatWest Intermediaries and TSB will make rate hikes and cuts from 3 October, with brokers urged to submit existing applications before the deadlines. www.mortgagestrategy.co.uk/news/nat…

mortgagestrategy.co.uk

NatWest Intermediaries and TSB announce rate hikes and cuts

NatWest Intermediaries and TSB will make rate hikes and cuts from 3 October, with brokers urged to submit existing applications before the deadlines.

Mortgage Strategy @mortgagestrategy.bsky.social · 02/10/2026

🏡📊 Top Stories of the Week: More than a quarter of landlords plan to quit market and Burnham vows to bring leasehold bill before Christmas. www.mortgagestrategy.co.uk/news/mor… #MortgageStrategy #FinanceNews #UKHousing

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Mortgage Strategy @mortgagestrategy.bsky.social · 02/10/2026

Average two- and five-year fixed rate mortgage prices are on the brink of hitting 6%, according to the latest Moneyfacts rate watch. www.mortgagestrategy.co.uk/news/ave…

mortgagestrategy.co.uk

Average fixed rates now on brink of 6%: Moneyfacts

Average two- and five-year fixed rate mortgage prices are on the brink of hitting 6%, according to the latest Moneyfacts rate watch. The average two-year

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Mortgage Strategy @mortgagestrategy.bsky.social · 02/10/2026

AI, open finance and fraud set to dominate mortgage technology agenda at MIT Live www.mortgagestrategy.co.uk/news/ai-…

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Mortgage Strategy @mortgagestrategy.bsky.social · 02/10/2026

More than a third of Britons say their homes are not suitable for today’s climate, a report has found. www.mortgagestrategy.co.uk/news/ove…

mortgagestrategy.co.uk

Over a third of homes 'not suitable' for today's hotter climate

More than a third of Britons say their homes are not suitable for today's climate, a report has found. The findings come after a summer of record-breaking

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Mortgage Strategy @mortgagestrategy.bsky.social · 02/10/2026

Three quarters of renters would like to buy their own home, but over four in 10 expect to rent for the rest of their lives, research by TDS Charitable Foundation reveals. www.mortgagestrategy.co.uk/news/fou…

mortgagestrategy.co.uk

Four in 10 renters expect to rent for life despite homeownership aspirations: TDS

Three quarters of renters would like to buy their own home, but over four in 10 expect to rent for the rest of their lives, research by TDS Charitable

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Mortgage Strategy @mortgagestrategy.bsky.social · 02/10/2026

Barclays has extended its window of lower mortgage rates after a technical outage stopped brokers securing lower rates. www.mortgagestrategy.co.uk/news/bar…

mortgagestrategy.co.uk

Barclays extends lower rate window after technical outage

Barclays has extended its window of lower mortgage rates after a technical outage stopped brokers securing lower rates. The lender raised prices on 85

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Mortgage Strategy @mortgagestrategy.bsky.social · 02/10/2026

The gap between house prices and earnings has narrowed to its smallest level in 11 years, as wage growth continues to outpace house price inflation, according to Lloyds. www.mortgagestrategy.co.uk/news/hou…

Serene morning view of an English suburban street lined with charming red-brick houses in Farnham.

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Mortgage Strategy @mortgagestrategy.bsky.social · 02/10/2026

A proposed government Your First Home scheme could more than double the number of new-build homes affordable to single first-time buyers in England, according to analysis by Rightmove. www.mortgagestrategy.co.uk/news/you…

mortgagestrategy.co.uk

Your First Home scheme could double new-build options for solo FTBs

A proposed government Your First Home scheme could more than double the number of new-build homes affordable to single first-time buyers in England,

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Mortgage Strategy @mortgagestrategy.bsky.social · 01/10/2026

UK rents rise almost 5% in last 12 months: Goodlord www.mortgagestrategy.co.uk/news/uk-…

mortgagestrategy.co.uk

UK rents rise almost 5% in last 12 months: Goodlord

UK rents have risen by almost 5% (4.9%) over the last year, the latest Goodlord Rental Index. In September, average rents were up from £1,507 12 months

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Mortgage Strategy @mortgagestrategy.bsky.social · 01/10/2026

Hovering over the MS NextGen 2027 application thinking "I'm not ready"? Carly Bown shares what convinced her to take the leap on the MS NextGen Podcast. Listen: ow.ly/N97g50ZSHmv #MSNG26 #Mortgages

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Mortgage Strategy @mortgagestrategy.bsky.social · 01/10/2026

Halifax Intermediaries becomes latest lender to hike mortgage rates www.mortgagestrategy.co.uk/news/hal…

mortgagestrategy.co.uk

Halifax Intermediaries becomes latest lender to hike mortgage rates

Halifax Intermediaries has become to latest lender to push its rates higher, effective tomorrow (2 October). The lender will increase prices across

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