The introduction of the Financial Conduct Authority’s (FCA) Consumer Duty represents the most significant regulatory shift in the UK financial services landscape in a generation. For mortgage brokers, this is not merely a "tick-box" exercise or a slight adjustment to existing "Treating Customers Fairly" (TCF) protocols. Instead, it is a fundamental move toward a proactive, outcome-based...

The mortgage landscape in 2026 is undergoing a seismic shift as traditional solo homeownership becomes increasingly difficult for many. We are currently witnessing a historic rise in multi-generational lending, a trend where parents, children, and sometimes even grandparents enter into a single mortgage agreement together. This surge is driven by a combination of high property valuations, a...