Cyborg Finance
News

Stay up to date with the latest mortgage market news, rate updates, lender changes, and expert insights across residential, buy-to-let, commercial, and development finance.

News

Welcome to our news hub — your source for the latest developments in the UK mortgage market. We bring you timely updates on rate changes, lender policy shifts, regulatory updates, and expert insights across all mortgage sectors.

Bank of England Housing Update (July 2026)

Six-to-three vote to hold at 3.75%

Your 6-month window to insure against mortgage rate rises

Do not wait until your deal ends and you slip onto your lender's standard variable rate.

New 2% deposit mortgage

First Step stands out for what it allows. It accepts gifted deposits, lends on new-build houses, and considers self-employed applicants.

Ask your accountant about Family Investment Companies (FICs) and BTL

Mortgage Advisers now have lenders who are comfortable with Family Investment Companies (FICs).

Fraudsters tried to steal 55 UK homes last year by faking ownership

Criminals steal your identity and forge a few documents. They then sell your home, mortgage it, or transfer ownership. AI is making it worse. Forged documents now slip past checks built for an older era of fraud.

Your home's value crept up in June 2026

Nationwide says all 13 UK regions posted price rises in the second quarter; however, the market isn't booming or busting. It's treading water, waiting for clarity.

Half of Gen Z fear their credit score will cost them a home.

New research found that 49% of Gen Z adults worry their credit history will block them from buying a home in a survey of 2,000 UK adults aged 18 to 28.

Mortgage approvals hit an 18-month low. Should first-time buyers wait or move?

"If you are ready to move, conditions are more favourable than they were three months ago" says Zoopla

Existing TMW mortgage? Borrow £15k at 2.99% for green upgrades

2.99% with no product fee, open to its existing TMW buy-to-let landlords

Layered Companies with Aldermore

A few landlords now hold property through more complex company setups. Some sit within layered structures for tax, ownership, or long-term planning reasons. Those cases can quickly narrow down lender choices.

Want a bungalow to downsize? Join the queue. Here's why they've vanished

If you've been hunting for a bungalow, you've probably noticed something. There aren't many about. The few that exist go quickly, often above the asking price.

Vernon BS Cuts Self-Build Rates

The best self-build mortgage is not always the one with the lowest headline rate. It is the one that keeps the site moving.

1 in 3 of FTBs have given up on ever owning — there probably wrong.

If you've already decided you'll never own a home, stop. New research suggests you may be ruling yourself out before you've even asked the question.

The 35-Year Deposit: How First Time Buyers can Get Out Faster

A third of UK renters save £100/month or less — putting a deposit 35 years away.

First-Time Buyers, Travel May Be the Price of Homeownership

The real win is not finding a perfect area. It is finding a home that is sustainable to own. That may be less central. It may be less trendy. It may need a train timetable.

Landlords face £7,000 fines from TODAY for damp and mould

From 22 June 2026, councils can fine landlords up to £7,000 for serious damp and mould hazards under the updated HHSRS.

What does Starmer resignation mean for mortgages?

What does Starmer's resignation mean for your money?

Specialist Shariah-Compliant Buy-to-Let Mortgages

Cyborg Finance is pleased to announce expanded options for our clients with access to a specialist mortgage lender focused on Shariah-compliant residential and Buy-to-Let (BTL) property finance.

Landlords required to urgently email tenants

Landlords must serve the New Government Document Must Be by 31 May 2026 or face fines of up to £7,000

Mortgage Rates Spike as Lenders Pull Deals Amid Middle East Tensions

Homeowners and borrowers are facing a sudden rise in mortgage costs as lenders withdraw products and reprice deals at short notice.

Landlords Ask, "Where Has Precise Gone?"

Precise Mortgages is stepping away from buy-to-let to focus on residential and bridging — what it means for affected landlords.

The Renters Rights Act is now law

The Renters’ Rights Act just sailed through Royal Assent yesterday. It's officially law now. But here's the good news: nothings changed yet. Likely not kicking in until sometime in early 2026.

Can You Get a Mortgage For 6 Times Your Salary? (with Adverse Credit?)

Borrow up to six times your yearly income.

BM Solutions enter LTD Company BTL Market

The UK's Largest BTL lender starts offering Limited Company Buy-to-Let

New 85% LTV BTL Mortgage: Foundation Boosts Competition for Landlords

More power to landlords! 85% LTV BTL mortgage entry brings fresh competition to existing offering.

Bank of England Housing Update (May 2025)

Bank Base Rate cut to 4.25%

First Time Buyer Mortgage, Pay Nothing for 3 Months!

First Time Buyers! Pay NOTHING for 3 month. Move in, settle down, with just a 5% deposit.

A BTL Mortgage from 2.99% in 2025!

New TMW 2.99% landlord mortgage sounds great, but a 3% fee means it’s not always the best deal!

New LTD Company BTL Lender

Coventry just launched a Limited Company Buy-to-Let Mortgage.

7x Income on Longer-Term Mortgages

Secure a mortgage of up to £350,000, compared to £225,000 under the standard limit.

Buy-to-Let Named Most Popular UK Business

Buy-to-let is now the most-registered business type at Companies House, with more than 400,000 UK landlord companies.

Bank of England Housing Update (February 2025)

Bank Base Rate CUT to 4.5% mortgages continue to fall and Housing is looking positive.

New LTD Company BTL Lender (Buckinghamshire)

Limited Offer! Buckinghamshire Building Society just launched a market-leading 5.49% fixed rate for 5 years on Limited Company Buy-to-Let Mortgages.

Why are Mortgage Rates Converging? (2 & 5 Year Fixes)

The mortgage landscape has shifted! With the gap between two-year and five-year fixed rates at its lowest in two years, what does this tell us about economic forecasts?

Rental Yields Rise in England and Wales: A Positive Outlook for Buy-to-Let Investors in 2025

Discover why now might be the perfect time to invest in buy-to-let properties as rental yields increase and market optimism grows.

Ban on Upfront Rent for Landlords

Labour tightens Renters Rights Bill

UK Buy-to-Let Landlords Adapt and Thrive

Landlords are seeking higher yields from unusual properties

BTL Affordability Boosted by Santander

A borrowing boost for Landlords choosing Santander

Chronic shortage in rentals

21 tenants for each home, as landlords plan to sell.

Costs & Benefits of Landlords Going Green

House Prices Up by going green but not enough, says TMW.

Deadline for Right-to-Buy Discount Looms

Act now to benefit from the higher discounts.

Bank of England Housing Update (November 2024)

Bank Base Rate is stays at 5.25% but Housing is looking positive.

Stamp Duty Increase

Today was the first increase in Stamp Duty (SDLT) the next is in April.

Landlords have More Intercompany Loan Options

Landlords have More Intercompany Loan Options

Bank of England Housing Update (September 2024)

Bank Base Rate is stays at 5.25% but Housing is looking positive.

Bank of England Housing Update (August 2024)

Bank Base Rate CUT to 5.00% mortgages continue to fall and Housing is looking positive.

August Rate Cut Uncertainty: Mortgage Insights

Bank Base Rate Cut in August, no November or maybe ..

Metro Bank Unveils Limited Company Buy-to-Let Mortgages

WIth Market-Leading Mortgage Products

Labour promises 5% deposit mortgages

Freedom to Buy Scheme is claimed to help 80,000 First Time Buyers

UK's Largest Lenders Avoid Buy-to-Let Mortgages for Limited Companies

The largest lenders in the UK do not offer buy-to-let mortgages for limited companies.

Inflation rate has dropped to 2.3%, the lowest in three years

UK inflation fell to 2.3%, its lowest level in three years — what it could mean for mortgage rates and first-time buyers.

Improve Landlords Mortgage Conditions, Demands Tenants!

Some banks prohibit tenants from having longer tenancies.

How to Lower your Monthly Mortgage Payments!

Lower your monthly payments, but at what cost?

Buy-to-Let Understanding High Fees

Understanding the Fees Behind Buy-to-Let Mortgages: Why They Might Not Be as Bad as They Seem

BTL Affordability Boosted by Landbay for Remortgages

A borrowing boost for Landlords choosing LandBay

A Mortgage Valuation IS NOT a Property Survey

A Mortgage Valuation is not a Property Survey

Bank of England Housing Update (May 2024)

Bank Base Rate is stays at 5.25%, Mortgage Rate Up but Housing is looking positive.

How can Landlords reduce rent arrears?

Lettings experts share practical advice on preventing rent arrears and keeping landlord cashflow under control.

How does mortgage lender funding affect your mortgage price?

How mortgage lenders fund their lending — savings, government schemes and wholesale markets — and why it affects the rate you pay.

How can Landlords prepare for Winter?

It's getting cold

What We Cover

Our news section keeps you informed on the topics that matter most:

  • Interest rate updates — Bank of England decisions, fixed rate trends, swap rate movements
  • Lender announcements — new product launches, criteria changes, withdrawal of deals
  • Regulatory updates — FCA changes, affordability rules, lending guidelines
  • Market commentary — expert analysis on where the market is heading
  • Sector-specific news — residential, buy-to-let, commercial, and development finance
  • Practical guidance — what changes mean for borrowers and how to respond

Get in touch

We are your online mortgage broker, offering you the convenience of applying for a mortgage online. However, we understand that sometimes you may prefer to speak with a human - phone, email or in person.

Phone number
01133 205 902
Postal address
31 Bradford Chamber Business Park,
New Lane, Bradford, BD4 8BX

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FCA Authorised

We are authorised and regulated by the Financial Conduct Authority (No. 919921). The Financial Conduct Authority does not regulate most Buy to Let mortgages.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Our initial consultation is free. If you choose to proceed, we’ll explain any broker fees upfront before you commit.

British Company

Cyborg Finance Limited is registered in England and Wales (No. 12131863) at Bradford Chamber, New Lane, Bradford, BD4 8BX.