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Mortgages in arrears fall in Q3, UK Finance figures show


By Michael Griffiths

The number of homeowner mortgages in arrears fell by 4% in the third quarter, new figures from UK Finance have shown.

Q3 saw 84,100 mortgages in arrears of 2.5% or more of the outstanding balance


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One in three crypto holders saving for retirement, study finds

One in three (33%) crypto holders in the UK are investing to support their retirement, a new study by IG has indicated

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FSCS confirms unchanged levy of £356m for 25/26

The Financial Services Compensation Scheme (FSCS) has confirmed that its 2025/26 levy will remain unchanged at £356m as previously forecast

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Brokers report rising demand for specialist BTL products

Over three in five (63%) brokers have reported increased demand for specialist buy-to-let (BTL) products over the past year, new research by Finova has shown

Financial advisers lack confidence in policy agenda ahead of Budget

Financial advisers lack confidence in the economic policy agenda in the UK, with clients reporting concerns around tax and retirement planning, analysis from Unbiased Pro has revealed

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Chancellor will not alter tax-free cash entitlement in Budget

Chancellor Rachel Reeves will not make any changes to tax-free pension lump sum in the upcoming Budget, officials have confirmed
Adam Tyler appointed as new BDLA CEO

The Bridging & Development Lenders Association (BDLA) has appointed Adam Tyler as its new chief executive officer (CEO)

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Quarter of over-55s don’t have a will

Over a quarter of over-55s (27%) in the UK have no will in place, leaving them exposed to potential probate complications and unexpected inheritance tax (IHT) bills, a study by Canada Life has revealed

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Financial advisers lack confidence in policy agenda ahead of Budget

Financial advisers lack confidence in the economic policy agenda in the UK, with clients reporting concerns around tax and retirement planning, analysis from Unbiased Pro has revealed

Tax uncertainty damaging financial planning

Uncertainty around future tax changes is taking a toll on financial confidence among consumers, a study from Quilter has indicated

IHT clients turn towards business relief ahead of reforms – Downing

Clients planning for inheritance tax (IHT) are increasingly turning to business relief (BR) solutions ahead of changes that will come into effect in April, research by Downing has revealed

Chancellor lays groundwork for Budget tax rises

The Chancellor has stated that she will make “necessary choices” in her upcoming Budget and refused to say she would keep to Labour’s manifesto pledge on tax rises

FSCS confirms unchanged levy of £356m for 25/26

The Financial Services Compensation Scheme (FSCS) has confirmed that its 2025/26 levy will remain unchanged at £356m as previously forecast

‘Little evidence’ credit builder products are effective – FCA

The Financial Conduct Authority (FCA) has suggested there is "little evidence" that certain types of credit builder products are effective for most consumers

Mortgages to be added to English school curriculum

Children are set to be taught how mortgages work and how to budget as part of a modernisation drive to the national curriculum in English schools

Seven in 10 landlords to increase rents following Renters’ Rights Act

Seven in 10 landlords (71%) plan to raise rents to offset costs linked to the Renters’ Rights Act, Pegasus Insight has revealed

Quarter of over-55s don’t have a will

Over a quarter of over-55s (27%) in the UK have no will in place, leaving them exposed to potential probate complications and unexpected inheritance tax (IHT) bills, a study by Canada Life has revealed

Bank of England keeps base rate at 4% ahead of Budget

The Bank of England (BoE) has chosen to keep interest rates at 4% in its final base rate decision ahead of the Budget

Third of savers have not discussed power of attorney – Paragon Bank

A third (34%) of active savers have not discussed how family or friends would support them as a power of attorney (PoA) if they were unable to look after their own financial affairs, Paragon Bank research has revealed

Halving cash ISA allowance could provide £7.2bn returns boost

Halving the annual cash ISA allowance could provide a £7.2bn returns boost for cash ISA holders likely to invest their excess funds, new analysis by IG has indicated

Third of people don’t know how much to contribute to pension

Over a third (34%) of people said they don’t know how much they need to contribute to their pensions every year to give themselves a decent income in retirement, Hargreaves Lansdown has revealed

Cosworth Racing pension scheme completes £96m buy-in with L&G

The Cosworth Racing Limited Pension Fund has completed a £96m buy-in with Legal & General (L&G), securing the pension benefits of over 1,000 retirees and deferred members

HMRC overpaid tax repayments pass £1.5bn milestone

HMRC repaid more than £48m to people who overpaid tax when they flexibly accessed their pensions in Q3 2025, the latest Government Pension Schemes Newsletter has revealed

Fifth of HNWIs unaware of private pension IHT changes

Almost a fifth (19%) of high-net-worth individuals (HNWIs) aged 55 and over are unaware that unused private pensions will be liable for inheritance tax (IHT), Charles Stanley research has found. From 6 April 2027, changes to IHT rules will affect how pension pots are treated upon death, with unused private pensions being included as part of an individual’s estate

GDP growth slows in September

Gross domestic product (GDP) growth increased by 0.1% in the three months to September, following 0.2% in the three months to August, the Office for National Statistics (ONS) has revealed in the last update ahead of the Budget

One in three crypto holders saving for retirement, study finds

One in three (33%) crypto holders in the UK are investing to support their retirement, a new study by IG has indicated

Chancellor will not alter tax-free cash entitlement in Budget

Chancellor Rachel Reeves will not make any changes to tax-free pension lump sum in the upcoming Budget, officials have confirmed

New stocks and shares ISA contributions jump 13% in Q3

Contributions to newly opened stocks and shares ISAs increased by 13% year-on-year in the third quarter, Scottish Friendly has revealed

True Potential rolls out Natwest’s payments solution

True Potential has rolled out NatWest’s payments and data solution, Payit, to enhance its impulseSave offering

28 million adults using AI tools for managing money

More than 28 million adults have turned to artificial intelligence (AI) to help manage their money, Lloyds Banking Group has revealed

Monmouthshire BS signs five-year technology agreement with Phoebus

Phoebus Software has entered into a five-year agreement with Monmouthshire Building Society to deliver account serving technology for the society’s 90,000 mortgage and savings members

MorganAsh enhances MARS with customisations to vulnerability assessments

MorganAsh has made enhancements to the MorganAsh Resilience System (MARS) by adding greater customisation to customers’ vulnerability assessments and flexibility across the platform to support firms across different sectors

Adam Tyler appointed as new BDLA CEO

The Bridging & Development Lenders Association (BDLA) has appointed Adam Tyler as its new chief executive officer (CEO)

News in brief - 13 November 2025

Today's round up of developments coming out of the consumer finance space, featuring Atom bank, Black & White Bridging and Landbay

Primis appoints April Mortgages to lender panel

April Mortgages has been added to Primis’ lender panel

News in brief - 11 November 2025

Today's round up of developments coming out of the consumer finance space, featuring Zephyr Homeloans, PKF Littlejohn Advisory and Movera

BLOG: Doing Good is Good Business

MoneyAge Awards winner Bespoke Advice discusses the key fundamentals of good financial planning in our latest blog piece

Lending with a difference: A conversation with Family Building Society’s Nathan Waller

With demand growing for more flexible mortgage solutions, Family Building Society is carving out a strong reputation in later life, family-assisted, and buy to let lending. We speak to Nathan Waller, Business Development Manager at Family Building Society, to discuss how they’re supporting brokers, addressing complex borrower needs, and adapting to an evolving market.

BLOG: Expand the holistic solutions you can offer with Royal London Equity Release

Royal London Equity Release discusses the importance of holistic support for clients when it comes to later life lending

BLOG: The younger generation have spotted an alternative route into the housing market – and we should embrace it

Head of business development at Saffron for Intermediaries, Tony Hall, discusses how the younger generation can find their way onto the housing ladder

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NEW BUILD IN FOCUS - NEW EPISODE OF THE MORTGAGE INSIDER PODCAST, OUT NOW
Figures from the National House-Building Council saw Q1 2025 register a 36% increase in new homes built across the UK compared with the same period last year, representing a striking development for the first-time buyer market. But with the higher cost of building, ongoing planning challenges and new and changing regulations, how sustainable is this growth? And what does it mean for brokers?

The role of the bridging market and technology usage in the industry
Content editor, Dan McGrath, sat down with chief operating officer at Black & White Bridging, Damien Druce, and head of development finance at Empire Global Finance, Pete Williams, to explore the role of the bridging sector, the role of AI across the industry and how the property market has fared in the Labour Government’s first year in office.

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Does the North-South divide still exist in the UK housing market?
What do the most expensive parts of the country reveal about shifting demand? And why is the Manchester housing market now outperforming many southern counterparts?



In this episode of the Barclays Mortgage Insider Podcast, host Phil Spencer is joined by Lucian Cook, Head of Research at Savills, and Ross Jones, founder of Home Financial and Evolve Commercial Finance, to explore how regional trends are redefining the UK housing, mortgage and buy-to-let markets.

The new episode of The Mortgage Insider podcast, out now
Regional housing markets now matter more than ever. While London and the Southeast still tend to dominate the headlines from a house price and affordability perspective, much of the growth in rental yields and buyer demand is coming from other parts of the UK.

In this episode of the Barclays Mortgage Insider Podcast, host Phil Spencer is joined by Lucian Cook, Head of Research at Savills, and Ross Jones, founder of Home Financial and Evolve Commercial Finance.

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