Lending Edge UK

𝗠𝗶𝘀𝘀𝗲𝗱 𝘁𝗵𝗲 𝗹𝗮𝘁𝗲𝘀𝘁 𝗟𝗲𝗻𝗱𝗶𝗻𝗴 𝗘𝗱𝗴𝗲? 𝗛𝗲𝗿𝗲’𝘀 𝘄𝗵𝗮𝘁’𝘀 𝘁𝗿𝗲𝗻𝗱𝗶𝗻𝗴: 🏠 𝗠𝗮𝗿𝗸𝗲𝘁 𝗦𝗵𝗶𝗳𝘁: Buyers take the lead as #mortgagerates dip to around 4% for 2025. London sees a revival with office returns driving growth. 💰 𝗥𝗲𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗪𝗮𝘃𝗲: Fixed-rate transitions heat up lending activity, with two-year deals gaining traction. 📊 𝗕𝗮𝗻𝗸𝗶𝗻𝗴 𝗨𝗽𝗱𝗮𝘁𝗲: HSBC and Lloyds Banking Group exit the Lending Standards Board, sparking #SME protection concerns. 🎯 𝗕𝘂𝘆-𝘁𝗼-𝗟𝗲𝘁: Landlords expand portfolios, focusing on high-yield properties like #HMOs, despite market challenges. 💡 𝗙𝗶𝗻𝘁𝗲𝗰𝗵 𝗚𝗿𝗼𝘄𝘁𝗵: Zopa Bank lands £67M for generative #AI projects and a flagship current account launch in 2025. What’s your take on these developments? #UKLending #MortgageTrends #BuyToLet #FintechNews https://lnkd.in/eXjada98

🎯 New newsletter alert! The lending landscape is evolving rapidly. New AI tools like Koodoo's #compliance dashboard are transforming how lenders monitor# performance, while half of UK #mortgage holders face payment increases by 2027 due to# refinancing challenges. Yet opportunities emerge: later-life #lending shows recovery signs with Q3 outperforming Q2, and Zephyr's 10bps rate cut on energy-efficient buy-to-let properties signals growing green lending momentum. What's your take on these market shifts? #UKLending #MortgageIndustry #LendingTechnology #GreenFinance Koodoo Zephyr Homeloans https://lnkd.in/eT6m5swa

𝘿𝙞𝙙 𝙮𝙤𝙪 𝙘𝙖𝙩𝙘𝙝 𝙇𝙚𝙣𝙙𝙞𝙣𝙜 𝙀𝙙𝙜𝙚 𝙮𝙚𝙨𝙩𝙚𝙧𝙙𝙖𝙮? We explored how Atom bank is smashing records with its most successful quarter yet, while 🏗️ Blackstone makes bold moves, acquiring Santander’s £1bn infrastructure loan portfolio. 🌱 On #sustainability, Fleet Mortgages launched eco-friendly fixed rates, and LiveMore stepped up with new lending options for the over-50s. 📈 Looking ahead to 2025, we broke down swap rate volatility, inflation risks, and the Autumn #Budget. What do they mean for lenders? Click here for more: 🔗 https://lnkd.in/eFrvqgXW #LendingEdge #UKLending #Fintech

🚨 𝐌𝐢𝐝𝐰𝐞𝐞𝐤 𝐑𝐨𝐮𝐧𝐝-𝐔𝐩 It’s only Wednesday, but the UK #lending market has already served up plenty to talk about: 🔹 𝐓𝐡𝐞 𝐆𝐨𝐨𝐝: Mortgage arrears are at their lowest since 2022. #Borrowers are showing resilience, even in the face of ongoing economic pressures. 🔹 𝐓𝐡𝐞 𝐁𝐚𝐝: The road to 2025 #mortgage rates is looking...complicated. #Inflation, #BoE decisions, and global markets are all pulling the strings. 🔹 𝐓𝐡𝐞 𝐔𝐫𝐠𝐞𝐧𝐭: #LoanSharks are circling vulnerable communities, targeting food bank users. Stronger protections are overdue. 🔹 𝐓𝐡𝐞 𝐈𝐧𝐭𝐞𝐫𝐞𝐬𝐭𝐢𝐧𝐠: Blackstone’s £1bn stake in Santander’s infrastructure loans highlights investor confidence in alternative credit markets. A trend to watch closely. 👉 Don't forget to 𝐬𝐮𝐛𝐬𝐜𝐫𝐢𝐛𝐞 for fresh insights delivered weekly - https://lnkd.in/eEWCHZSA #UKLending #MortgageTrends #ResponsibleLending #LendingEdgeUK

This week in Lending Edge – #Trends to Watch, #Moves to Make We bring you the insights that matter most, cutting through the noise to keep you in the know. Here’s what’s brewing this week: 🏠 A Market in Motion: House prices are down 1.4%, but buyer demand is up 23%. Could this signal a strong 2025 rebound? 🤝 Big Partnerships: Perenna is teaming up with HLPartnership, offering 95% LTV loans to steady the market. 📉 Pulse Check: Broker confidence took a hit post-election, but resilience is the name of the game. 💼 Landlords Take Note: Aldermore Bank is back with a revamped 5-year buy-to-let mortgage range tailored for today’s challenges. Want the full picture? 👉 https://lnkd.in/dNAQNCJd 📩 Don’t miss the next edition—subscribe now: https://lnkd.in/gZX9mR2H #LendingEdge #UKHousingMarket #MortgageTrends

In the wake of the recent #Budget announcement, several major UK lenders, including Barclays, HSBC, and Nationwide, have increased mortgage rates, despite the Bank of England's decision to cut the base rate. This move reflects lenders' concerns about potential inflationary pressures stemming from the Budget's fiscal policies. Nicholas Mendes, mortgage technical manager at John Charcol, explains that lenders offering competitive pricing have been forced to adjust rates due to application levels and rising swap rates, which are key indicators used by lenders to price fixed-rate mortgages. This development highlights the complex dynamics between fiscal policy and lending practices. https://lnkd.in/e5gDZ-Gb Subscribe to our weekly newsletter for more insights: https://lnkd.in/gZX9mR2H

Lending pros, it's live! 🚀 The latest Lending Edge Newsletter has just dropped, packed with #insights into the UK lending market’s hottest trends: 📉 Rate Watch: Discover how recent Bank of England rate cuts could reshape the 2024 mortgage landscape and what it means for #borrowers. 🏗️ Bridging Boom: Learn about the record-breaking £1.79bn in bridging completions in Q3 and its growing role in UK #mortgages. 🏡 First-Time Buyers: Explore Yopa Property's analysis on the best regions for affordable homeownership under the evolving stamp duty rules. Whether you're navigating mortgages, exploring #investment opportunities, or just curious about market changes, this newsletter is your go-to resource. 📖 Read now: https://lnkd.in/eh3DMQfB 📩 Subscribe and share to stay at the forefront of lending trends 📈🏡 #LendingEdge #LendingNews #Fintech #SMEFunding #SustainableLending #Newsletter #IndustryInsights