Natalie Thomas

Residential Lending Survey: Game, set and match to Halifax

As our residential lending survey is served, Natalie Thomas looks at the contenders and what sort of form they are in With not long to go until we gear up for Wimbledon, this year’s tournament will no doubt see a mixture of the regular power-houses and rising stars looking to smash their way to victory […]

Lending on holiday lets poised for growth as BTL challenges prevail

Mortgages for expats, holiday lets and Airbnb-style businesses are all part of a movement to expand a market which has suffered from regulatory and tax changes, writes Natalie Thomas If there is one thing the mortgage industry knows how to do well, it is diversification. Over the years the sector has had to transform itself […]

BTL lender ratings: the good, the bad and the average

As the market settles into 2019, which buy-to-lenders have set solid foundations for the year ahead? Natalie Thomas finds out When the going gets tough, the tough get going – and that certainly seems to have been the motto that those operating in the buy-to-let market have had to live by in recent times. As […]

Feature: Catering for ‘complex’ borrowers

‘The times they are a-changin’ Bob Dylan once sang, and this has never been truer when it comes to the needs of mortgage borrowers. The working demographic is transforming and a growing number of incomes are no longer derived from a standard nine to five job but from self-employment, bonuses, contract hours and other varying […]

Stepping up interest in self-employed borrowers

The tide appears to be turning as attitudes to providing mortgages to the self-employed are changing, writes Natalie Thomas It is no secret that the number of self-employed workers in the UK has shot up significantly in recent years, rising from 3.3 million in 2001 to 4.8 million in 2017, according to the Office for […]