The regulator that reads every file
Anyone who has been through a network file check knows how it works. Someone picks a sample, maybe ten cases, maybe twenty, and reads them
October 18, 2026
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Blogs & Insights
Thought leadership on mortgages, financial services, technology, and leadership.
Help to Buy, back from the dead
When the FT broke the story of the government’s new Your First Home scheme, some of its readers didn’t hold back. “Insanity,” wrote one in
October 17, 2026
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The ice cream problem
A friend of Anne Boden’s asked Meta’s new AI assistant, Muse, to get her some vanilla ice cream. It found some on Deliveroo and sent
October 15, 2026
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The question behind the question
Someone asks how much they can afford to overpay on their mortgage. You look at their income and outgoings, work out what’s genuinely spare, and
October 15, 2026
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Four inspectors, four thousand mills
In 1833 Parliament appointed Britain’s first factory inspectors. There were four of them, and between them they were supposed to police conditions in around 4,000
October 13, 2026
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Fintech
If the AI boom turns, will UK mortgages feel it like 2008?
At the 2007 peak, half the money lent on UK homes had no evidenced income. The lending that broke then has largely gone, so if the AI boom turns, the pressure would arrive another way.
September 16, 2026
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