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Independent Mortgage Brokers

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Independent Mortgage Brokers

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IMB Leeds-based broker. Turning homeownership dreams into reality, regardless of credit history.

01/11/2026

🏡 Could a smaller deposit open up more buy-to-let options?
Suffolk Building Society announced new 85% loan-to-value buy-to-let mortgages on 30 October, with products now confirmed on its website.
Here’s what that means:
• Eligible UK and expat landlords have purchase and remortgage options with 15% deposit or equity, subject to valuation and lending requirements.
• Rental income checks still apply — having the deposit alone doesn’t mean a mortgage will be approved.
• Borrowing a higher proportion leaves a smaller equity cushion if property values fall. Fees, repayments and the overall cost deserve careful consideration.
If you’re buying a rental property or reviewing existing borrowing, Lee and Sarah at IMB can help you explore the options.
📞 0113 513 1210
✉️ [email protected]
🌐 www.imbonline.co.uk⁠�
Leeds, Halifax, West Yorkshire and remote advice UK-wide.
Subject to affordability and lender criteria. Most buy-to-let mortgages are not regulated by the FCA.
Your home may be repossessed if you do not keep up repayments on your mortgage.

28/10/2026

🏡 Saving for your first home? Today’s Budget brings a confirmed development.

The government has published details of Your First Home, a new scheme for eligible first-time buyers purchasing new-build homes in England.

Here’s what’s been confirmed today, 28 October:

• Deposits from 2.5%, alongside a repayment mortgage and a 20% government equity loan.

• Household income limits of £110,000 outside London and £140,000 in London. Local property price caps will apply; the full list is still to come.

• The equity loan is interest-free for five years, then interest applies: 1.5% in year six and 3% from year seven. Interest payments do not repay the equity loan itself.

• Applications aren’t open yet. Pre-registration is planned by December, applications from February 2027 and first sales from April 2027. Full eligibility rules and participating lenders are still to be published.

A smaller deposit could help some buyers, but the equity loan is borrowing, not a gift. Mortgage affordability and credit checks will still apply.

If you’re planning your first purchase, Lee and Sarah at IMB can help you understand your options as the details emerge.

📞 0113 513 1210
✉️ [email protected]
🌐 www.imbonline.co.uk

Leeds, Halifax, West Yorkshire and remote advice UK-wide.

Subject to affordability and lender criteria.

Your home may be repossessed if you do not keep up repayments on your mortgage.

27/10/2026

🏡 MORTGAGE POLL: What would make the biggest difference to you right now?

Today, 27 October, Pepper Money confirmed selected mortgage rate cuts for borrowers with recent credit challenges. A useful reminder that mortgage news isn’t just about interest rates — access to the right options matters too.

If you could choose ONE, which would it be?

A Lower monthly payments
B A smaller deposit
C️ More options after credit problems
D️ More certainty over repayments

👇 Comment A, B, C or D. No need to share any personal financial details.

Buying your first home, moving or reviewing your mortgage? Lee and Sarah at IMB are here to help you understand your options.

📞 0113 513 1210
🌐 www.imbonline.co.uk

Subject to affordability and lender criteria. Rate reductions apply to selected products and do not guarantee eligibility or savings.

Your home may be repossessed if you do not keep up repayments on your mortgage.

27/10/2026

Buying a home from family — or the landlord you already rent from? 🏡

Pepper Money confirmed today, 26 October, that eligible discounted purchases can now be financed up to 85% of the property’s full market value, previously 75%.

Here’s why that could matter:

• The seller’s discount can act as your deposit. Where you borrow the full discounted price, the required discount could now be 15% rather than 25%.

• This covers qualifying purchases from close family members or tenants buying their existing home from their landlord.

• Affordability, credit checks, valuation and lender criteria still apply. You’ll also need to budget for fees and other purchase costs.

If someone is offering to sell you a property below market value, it could be worth exploring how the figures fit together.

Contact Lee or Sarah at Independent Mortgage Brokers — helping clients across Leeds, Halifax, West Yorkshire and remotely throughout the UK.

📞 0113 513 1210
✉️ [email protected]
🌐 www.imbonline.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage.

26/10/2026

A visa-related mortgage hurdle has just become smaller for some landlords 🏡

In an announcement on 22 October, The Mortgage Works confirmed changes to its buy-to-let criteria:

• Applicants without indefinite leave to remain now need at least 12 months left on their visa, down from 30 months. Accepted visa types and other requirements still apply.

• Applicants with indefinite leave to remain no longer need owner-occupier status when applying jointly with a UK citizen or another applicant with indefinite leave to remain.

• Deposit and address-history requirements remain unchanged, so checking the full criteria matters.

If visa requirements previously held up your buy-to-let plans, it could be worth reviewing your options.

Speak to Lee or Sarah at Independent Mortgage Brokers. We help clients across Leeds, Halifax, West Yorkshire and remotely throughout the UK.

📞 0113 513 1210
✉️ [email protected]
🌐 www.imbonline.co.uk

Subject to affordability and lender criteria. Most buy-to-let mortgages are not regulated by the FCA.

Your home may be repossessed if you do not keep up repayments on your mortgage.

22/10/2026

🏘️ Own rental properties through more than one limited company? There may be another mortgage option to explore.

From 22 October, The Mortgage Works has widened its criteria for landlords using property companies:

✅ Directors and shareholders with an existing property company financed by the lender can now apply through another eligible company.

✅ This could give landlords more choice when arranging finance across separate property companies.

📋 Each application still needs to meet the lender’s requirements, including company structure, rental coverage and personal guarantees. Acceptance is not guaranteed.

If you’re planning your next purchase or reviewing your existing buy-to-let borrowing, Independent Mortgage Brokers can assess the options available to you.

📍 Leeds, Halifax, West Yorkshire and UK-wide
☎️ 0113 513 1210
✉️ [email protected]
🌐 www.imbonline.co.uk

Some buy-to-let mortgages are not regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on your mortgage.

21/10/2026

🏡 Inflation has risen—what does it mean for your mortgage?

Figures released today, 21 October, show UK CPI inflation rose to 3.5% in September, up from 3.1% in August.

Here’s what’s worth knowing:

🔒 Already on a fixed rate? Your interest rate stays the same until your fixed period ends.

📊 On a tracker or variable rate? Today’s inflation figure does not automatically change your mortgage rate. Tracker payments depend on the rate they follow; other variable rates depend on your lender’s terms.

📅 Buying or approaching renewal? Inflation influences interest-rate decisions and market expectations, but it does not tell us exactly where mortgage rates will go. Comparing your available options early can help you plan around your budget.

If you’d like to understand your options, contact Independent Mortgage Brokers for a friendly conversation.

📍 Leeds, Halifax, West Yorkshire and UK-wide
☎️ 0113 513 1210
✉️ [email protected]
🌐 www.imbonline.co.uk

Subject to affordability and lender criteria. Your home may be repossessed if you do not keep up repayments on your mortgage.

19/10/2026

🏡 Could more mortgage choice be on the way?

A few changes this week may be worth knowing about:

✅ From 28 October, lenders will have more flexibility in how many higher loan-to-income mortgages they offer. That could create more choice for some buyers, but it does not mean everyone can borrow more—each lender will still assess affordability and set its own criteria.

💼 Barclays has widened its approach for some limited-company directors, allowing eligible applicants to use their share of company profits after tax in the affordability assessment. That may help business owners who leave profits in the company rather than taking them all as dividends.

🏖️ For holiday-let owners, Foundation has changed its criteria to allow personal use of the property for up to 60 days a year. It has also reduced selected buy-to-let rates. The right mortgage still depends on how the property will be used and the full cost of the deal.

Whether you’re buying, remortgaging, self-employed or worried about past credit problems, Independent Mortgage Brokers can talk through your circumstances and explain what options may be available.

📍 Leeds, Halifax, West Yorkshire and UK-wide remotely
🌐 www.imbonline.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage. Some buy-to-let mortgages are not regulated by the Financial Conduct Authority. Mortgage availability, rates and borrowing amounts depend on your circumstances and lender criteria.

13/10/2026

🏡 Mortgage rates are shifting again—but the cheapest deal isn’t always the easiest one to secure

This week brought a mixed picture for borrowers and landlords:
✅ Some lenders have reduced selected fixed rates, with a small number of sub-5% deals returning. However, average fixed rates remain much higher and the best-priced products tend to be aimed at borrowers with larger deposits.
📋 Mortgage availability has tightened, according to the Bank of England—particularly above 75% loan-to-value. This means careful preparation matters where the deposit is smaller, affordability is tight or there have been previous credit problems.
🏘️ Buy-to-let choices can change quickly. NatWest withdrew 11 landlord products last week, including purchase and remortgage options. Landlords approaching a renewal should compare the rate, arrangement fee, rental calculation and total cost rather than focusing only on the headline rate.
If you’re buying, remortgaging or concerned that past credit issues may affect your options, Independent Mortgage Brokers can assess your circumstances and explain what may be available.
📍 Leeds, Halifax and across the UK
🌐 www.imbonline.co.uk⁠�
Your home may be repossessed if you do not keep up repayments on your mortgage. Some buy-to-let mortgages are not regulated by the Financial Conduct Authority. Rates and eligibility depend on individual circumstances and lender criteria.

08/10/2026

🏡 This week’s mortgage update — more choice for some buyers and landlords
The mortgage market continues to move, and there have been a few useful developments:
✅ Some higher-deposit residential rates have fallen, although not every rate has moved in the same direction. It’s worth comparing the overall cost—including arrangement fees—rather than choosing solely by the headline rate.
✅ New buy-to-let products have entered the market, giving landlords additional choices across purchases and remortgages.
✅ Criteria have widened with one specialist buy-to-let lender, including options for first-time buyers and applicants previously restricted by minimum-income or property-value rules. Every application remains subject to the lender’s full criteria and assessment.
🛡️ The FCA has also highlighted the UK’s significant protection gap. A mortgage review is a sensible opportunity to consider how the household would manage if illness, injury or death affected its income.
Whether you’re buying, remortgaging, investing in property or worried that past credit problems may limit your options, Independent Mortgage Brokers can assess the wider market and explain what may be possible.
📍 Leeds, Halifax and across the UK
🌐 www.imbonline.co.uk
Your home may be repossessed if you do not keep up repayments on your mortgage. Some buy-to-let mortgages are not regulated by the Financial Conduct Authority. Eligibility and rates depend on individual circumstances and lender criteria.

Address

33 Roxholme Grove
Hipperholme
LS74JJ

Opening Hours

Monday	9am - 5:30pm
Tuesday	9am - 5:30pm
Wednesday	9am - 5:30pm
Thursday	9am - 5:30pm
Friday	9am - 5:30pm
Saturday	9am - 12pm

Telephone

+443332100082

Website

http://www.imbonline.co.uk/

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