Aldermore adds limited-edition BTL rates

As borrowers look to the new year, some will have ‘sorting out finances’ at the top of their to-do lists, and capital raising could form part of that.

Of all the news to impact the UK property market over the course of this year, I suspect HM Land Registry’s decision to increase the fees it charges for its information services may not have hit the hardest.

A month on from the Budget and, it perhaps tells you a great deal, that many of the proposals announced are still leading the news agenda. And not in a good way.

The UK mortgage market has undergone significant change over the last few decades, with shifting social dynamics, high and rising house prices and stagnant wages all playing a major role in the changing mortgage landscape.

The specialist mortgage market has gained significant traction over the last few years as the needs and demands of mortgage borrowers have continued to evolve.

Buying a house is one of the biggest financial decisions that most people will make in their lifetime, and outdated systems in the mortgage sector also mean that it is viewed as one of the most stressful among applicants.

When I wrote my last article, we were all hanging on for Rachel Reeves’ first budget and the industry was collectively holding its breath to see what was in store.

Equity release has been on my mind over the last few months – as I’ve spoken at a few sector events and been doing some work for a lender in the sector.

This week, Mortgage Solutions is speaking to Emma Ward, head of sales operations at later life lender, More2life.

The future of the buy-to-let market is always in the spotlight, not least after the government shone further light on it at the Budget in the form of one new tax increase measure and a decision not to introduce another much-speculated-upon potential tax increase.