The 15% LTI Cap Is Under Review. Here’s What the Regulators Are Proposing.
For a rule that has shaped UK mortgage lending since 2014, the loan-to-income flow limit has always been a slightly odd creature. Simple on the surface, a cap on how many mortgages at 4.5 times income or above any single lender could write, but quietly distorting in practice. Lenders built management buffers beneath the 15% […]
The Renters’ Rights Act: What Mortgage Advisers and Landlord Clients Need to Know
The Renters’ Rights Act is set to come into force in May, and it represents one of the most significant shifts in the UK rental market in decades. For mortgage advisers and brokers working with landlord clients, understanding these changes is essential. What is changing? The headline change is the abolition of Section 21 — […]
UK Bank Capital Rules Are Locking Up Lending Capacity
The Bank of England’s Financial Policy Committee has just confirmed that the UK banking system is resilient. Banks can weather extreme stress. That is good news. Except here is the awkward bit: the very capital rules that prove resilience are now starving the mortgage market of funds. On the same day the FPC published its […]
1.3 Million More Households. One Report. And a Question Nobody’s Asking.
The Bank of England published its Financial Policy Committee Record this morning. If you’ve seen the headlines, you’ll know the number: 1.3 million additional households now facing higher mortgage costs because of the conflict in the Middle East. That’s the number that made the front pages. But the report itself tells a far more interesting […]
Mortgage Market Briefing: Week of 16-22 March 2026
Weekly intelligence for mortgage professionals, compiled by Paul Brett. Lead Story: FCA Chief Signals a New Era for Mortgage and Retirement Advice On 20 March 2026, FCA Chief Executive Nikhil Rathi delivered what is likely to prove one of the most consequential speeches for mortgage professionals in recent years. Speaking at the JP Morgan Pensions […]
What Does a Mortgage Strategy Consultant Actually Do?
Beyond the Job Title: What a Mortgage Strategy Consultant Really Does If you’ve come across the term “mortgage strategy consultant” and wondered what it actually means in practice, you’re not alone. It’s not a role you’ll find on a standard org chart, and it doesn’t come with a neat job description from the FCA handbook. […]
The FCA Just Made the Case for Holistic Mortgage Advice. Is Your Firm Ready?
Last Thursday, the head of the FCA stood up at the JP Morgan Pensions and Savings Symposium and dropped a line that deserves more attention than it got. “If we continue to treat pensions, mortgages and savings as separate tracks, we will miss opportunities to help consumers get where they need to be.” Read that […]
How We Got Here: The Story of UK Mortgage Regulation
There is a version of history where the UK mortgage market regulated itself, policed by gentlemen’s agreements, voluntary codes, and the quiet assumption that lenders and brokers would do the right thing. That version of history ended on 31 October 2004. But to understand why that day mattered, you need to understand what came before […]
