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NEWS & INSIGHTS

What we are seeing.

Market views, regulation and deal commentary, written by the people placing the deals rather than a content team.

FEATUREDREGULATIONHelp to Buy is back. The real story is the exit.Your First Home gives first-time buyers a 2.5% deposit route into new-build. For SME developers it changes the one variable development finance actually underwrites on.Hiran2 October 20265 min readREAD THE ARTICLE →A row of newly built houses under a clear sky
A man in a dark jumper with his hands clasped on a polished deskTEAM INSIGHTSWhere deals get nervous.The middle of a finance deal is where the anxiety lives. Kam on why three parties hold the keys to a smooth completion.Kam3 min readA calculator and reading glasses resting on a printed set of accountsREGULATIONMTD for ITSA is live. Your cashflow just got more complicated.MTD for ITSA is live. Sole traders and landlords over £50k now file quarterly, and the cashflow conversation has moved a quarter earlier.Kam4 min readDice printed with bank symbols linking two figures by a dotted lineTEAM INSIGHTSA strategic network isn't a spreadsheet.Most broker lender panels are a spreadsheet of names and criteria. Sehbaaz on what actually makes a lender network worth having.Sehbaaz3 min readA wooden house beside rising stacks of coins and a piggy bankTEAM INSIGHTSThe capital behind the lender.The name on the term sheet is not the money behind it. Sehbaaz on why a lender's funding line decides whether your deal completes.Sehbaaz3 min readA large brick apartment building against a blue skyREGULATIONThe National Housing Bank goes live: £16bn and a new deal for SME developersThe National Housing Bank launches with £16bn to back SME house builders. What developers and brokers should know about the new funding landscape.Hiran5 min readA newly built residential street of brick flats and townhousesMARKET NEWSMixed-use is rewriting the UK auction market.UK auctions raised £6bn in 12 months. Mixed-use is now half of commercial lots sold. Why buyers need to match finance to asset type.Sehbaaz4 min readA stone terraced cottage behind an estate agent's For Sale boardREGULATIONRenters Rights Act 2026: what the new rules mean for specialist buy-to-let financeThe Renters Rights Act reshaped landlord finance from 1 May 2026. What portfolio landlords and specialist BTL borrowers need to know now.Sehbaaz6 min readThe Bank of England building against a clear blue skyMARKET NEWSThe Bank held at 3.75%. Three members voted to raise.The Bank held at 3.75%, but three members voted to raise. What the split means.2 min readThe Financial Conduct Authority logo seen through a magnifying glassREGULATIONThe FCA wants to double the regulated bridging term to 24 months.CP26/18 would double the regulated bridging term. A quieter change matters more.3 min readDice marked with percentage signs stepping upward, the rising ones picked out in greenMARKET NEWSSecond charge lending just hit an 18-year high. That is not an accident.£625m in Q1, the strongest month since 2008. Why borrowers leave first charges alone.3 min readAn estate agent's sale board on a leafy residential streetDEAL COMMENTARYStated intention is no longer an exit strategy.Lenders want evidence, not intention. What the exit pack needs before it goes out.3 min readA brick building reflected in a puddle between cobblestonesREGULATIONProperty income tax rises two points in April 2027. The decision window is now.Property income tax rises two points in 2027. Restructuring needs a refinance.3 min read
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News & Insights — Specialist Finance Commentary | Credco