David Binney, head of sales at Norton Home Loans, explains why the industry must work harder to help change the way people think about second charge mortgages.

IMLA now has a total of 69 full and associate members.

The Society has launched new two-year and five-year products.

While the UK housing market is now the same size as it was pre-pandemic, its make-up looks different.

When interest rates were at lower levels, most buyers with a 10% or 5% deposit found mortgage payments comparable to, or less than, their current rent.

The majority of products have reduced by 10bps.

Interest-only products have seen the largest reductions.

Buyer demand has remained stable and is now 5% higher than last year.

Selina allows loans of up to £100,000 to be funded prior to written consent for the loan being provided by the first charge mortgage lender.

We spoke to Josh Skelding, commercial director at Fignum, about how technology is assisting in providing loans to complex credit customers, how tech can help advisers meet Consumer...