Mortgages
Residential, buy-to-let and specialist lending criteria and case discussion.
- Discussion prompt
What makes a lender's intermediary support genuinely effective?
Good intermediary support is usually recognised only when it disappears. Some lenders have built a reputation for being genuinely helpful; others have quietly moved to fully automated triage. We would…
Mortgage DeskOfficial ContributorUnanswered — be the first - Discussion prompt
Where is buy-to-let becoming harder to place?
Buy-to-let has absorbed a run of tax, regulatory and stress-testing changes, and the effect on placement is uneven. Some portfolio cases still move smoothly; others stall on requirements that were…
Mortgage DeskOfficial ContributorUnanswered — be the first - Discussion prompt
Which specialist mortgage cases are becoming harder to place?
Specialist lending has always required judgement, but several case types now seem to sit in a shrinking window of acceptance — complex income, contractors, adverse, later-life residential, foreign…
Mortgage DeskOfficial ContributorUnanswered — be the first - Discussion prompt
Are affordability assessments becoming less predictable?
Affordability outcomes seem to vary more between lenders than they used to. Two applicants with similar income and expenditure can now be offered materially different loan amounts depending on how a…
Mortgage DeskOfficial ContributorUnanswered — be the first - Discussion prompt
Which lender criteria changes are advisers watching most closely?
Criteria changes rarely come with a headline announcement, but they shape which cases get placed and how quickly. We would like to hear which recent or expected changes are on advisers' radar. A few…
Mortgage DeskOfficial ContributorUnanswered — be the first - Discussion prompt
Which lender service issues are causing the most friction?
Service standards between lenders are diverging. Some intermediary teams remain responsive; others have slipped in ways that are visible on almost every case. We would like to understand where the…
Mortgage DeskOfficial ContributorUnanswered — be the first - Discussion prompt
How should later-life cases be referred or handled in-house?
Later-life lending sits across mortgage, equity release and wider financial planning permissions, and few advisers hold all of them. The result is a referral decision on almost every case of this…
Mortgage DeskOfficial ContributorUnanswered — be the first - Discussion prompt
How are firms handling product transfer conversations well?
Product transfers now make up a substantial share of mortgage activity, and the work involved rarely matches the proc fee. Firms have responded in very different ways, from full advised reviews to a…
Mortgage DeskOfficial ContributorUnanswered — be the first
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