blog mortgage118

Author: David Sampson

  • Stephen Parr Appointed Head of Bridging Finance at CCB

    Stephen Parr Appointed Head of Bridging Finance at CCB

    Cambridge & Counties Bank has announced the promotion of Stephen Parr to the position of head of bridging finance. This strategic move is significant for the bank, as it aims to enhance its bridging finance offerings, which are important for landlords and property investors seeking quick funding solutions.

    TL;DR: Stephen Parr has been appointed head of bridging finance at Cambridge & Counties Bank; this change is expected to streamline access to up to £5 million for property investments.

    Who is Stephen Parr?

    Stephen Parr has been with Cambridge & Counties Bank since 2020, starting as a relationship manager before advancing to senior business development manager in January 2024. His extensive experience in the banking sector positions him well to lead the bridging finance division, which is essential for clients needing rapid access to funds for property transactions.

    What is Bridging Finance?

    Bridging finance is a short-term loan solution that enables property buyers to secure funding quickly, often used in situations where traditional mortgage routes are not viable. At Cambridge & Counties Bank, clients can borrow up to £5 million for various property types, including commercial, residential, or mixed-use assets, with terms extending up to 24 months. This flexibility is particularly advantageous for landlords and investors looking to seize immediate opportunities in the property market.

    What This Means for Property Investors

    With Parr’s leadership, the bridging finance sector at Cambridge & Counties Bank is set to become more robust, potentially improving service delivery and funding options for landlords and property investors. This change is particularly relevant in a fast-paced market where timely access to finance can make a significant difference in securing desirable properties. Investors should keep an eye on how these developments may affect their funding options and the overall competitiveness of bridging finance products.

    Frequently Asked Questions

    What types of properties can I finance with bridging loans?

    You can finance commercial, residential, or mixed-use properties with bridging loans from Cambridge & Counties Bank.

    How long can I borrow bridging finance for?

    Bridging finance at Cambridge & Counties Bank is available for a maximum term of 24 months.

  • Buy-to-Let Market Faces Major Changes in 2026

    Buy-to-Let Market Faces Major Changes in 2026

    The UK buy-to-let market is experiencing significant structural changes, with a notable shift towards limited company purchases. This evolution is reshaping the profile of landlords and their investment strategies.

    TL;DR: In 2025, 43% of buy-to-let purchases were made through limited companies, up from 35% in 2024; this trend indicates a shift in landlord profiles and investment strategies.

    What is Driving the Shift to Limited Company Buy-to-Let Purchases?

    Recent research from Paragon Bank highlights that 43% of all mortgaged buy-to-let purchases in 2025 were completed through limited companies. This marks a significant increase from 35% in 2024 and a mere 8% in 2018. The rise in limited company purchases suggests that landlords are increasingly focusing on tax efficiency and asset protection.

    How Are Landlords Adapting to Buy-to-Let Changes?

    Joseph Lane, a mortgage broker and property investor, notes that the profile of landlords has evolved dramatically. The landlords of 2026 differ significantly from those of previous years, reflecting a broader behavioural shift in the property investment sector. Limited company buy-to-let mortgages, once seen as niche products for large-scale investors, are now appealing to a wider range of landlords, including those with smaller portfolios.

    What This Means for Buy-to-Let Landlords and Investors

    The increasing trend towards limited company structures may alter the market for landlords and investors. Basic-rate taxpayers who own one or two properties may not find incorporation beneficial as they once thought. This change could lead to a more competitive environment, as landlords reassess their strategies in light of tax implications and operational efficiencies.

    What Should Investors Watch for Next in Buy-to-Let?

    As the buy-to-let market continues to evolve, investors should monitor the regulatory market and any changes in tax legislation that may impact limited company structures. Understanding the implications of these shifts will be important for making informed investment decisions. Additionally, landlords should evaluate their current ownership structures and consider whether transitioning to a limited company could offer advantages in the current market.

    Frequently asked questions

    What are the benefits of using a limited company for buy-to-let?

    Using a limited company for buy-to-let can provide tax efficiency, limited liability, and potential access to more competitive mortgage products.

    How can I assess if incorporating is right for my buy-to-let portfolio?

    Landlords should consider consulting with a financial advisor to evaluate their current tax position, portfolio size, and long-term investment goals before deciding to incorporate.

  • Cambridge & Counties Bank Elevates Parr to Bridging Finance Head

    Cambridge & Counties Bank Elevates Parr to Bridging Finance Head

    Cambridge & Counties Bank has appointed Parr as the new head of bridging finance, marking a strategic shift towards a more formal focus on this area. This change is significant as it reflects the bank’s commitment to enhancing its bridging finance offerings, which are important for facilitating timely property transactions.

    TL;DR: Cambridge & Counties Bank has appointed Parr as head of bridging finance to enhance its strategic focus on this product; this move aims to improve support for property transactions requiring swift financing.

    What does this new role entail?

    Parr’s promotion follows his tenure at the bank since 2020, where he progressed from relationship manager to senior business development manager. In his new role, he will lead the bridging finance division, supported by Andrea Calverley, who brings over 25 years of experience in the sector. Calverley joined the bank as a senior lending officer in March, further strengthening the team.

    Why is bridging finance important now?

    Bridging finance has become increasingly vital in the current property market, where timing can significantly impact transactions. With Parr at the helm, the bank aims to use its experienced staff and common-sense underwriting to provide solutions that keep property deals moving, especially when quick access to funds is necessary.

    What this means for borrowers and investors

    For landlords, borrowers, and property investors, this strategic focus on bridging finance indicates a more robust support system for urgent financing needs. The bank’s commitment to clear routes to term financing and experienced underwriting could enhance the availability of funds, making it easier for stakeholders to navigate the complexities of property transactions.

    Frequently asked questions

    What is bridging finance?

    Bridging finance is a short-term loan designed to bridge the gap between the purchase of a new property and the sale of an existing one, often used when quick access to funds is needed.

    How can I apply for bridging finance?

    To apply for bridging finance, you can approach lenders like Cambridge & Counties Bank, providing necessary documentation to demonstrate your financial situation and the purpose of the loan.

  • Stephen Parr Leads Bridging Finance at Cambridge & Counties Bank

    Stephen Parr Leads Bridging Finance at Cambridge & Counties Bank

    Cambridge & Counties Bank has appointed Stephen Parr as the new head of bridging finance, a role that underscores the bank’s commitment to expanding its lending capabilities. Parr, who has been with the bank since 2020, will be supported by Andrea Calverley, a senior lending officer who joined in March. This leadership change is significant as it positions the bank to enhance its bridging finance offerings, which are important for landlords and investors seeking quick access to funds.

    TL;DR: Stephen Parr has been promoted to head of bridging finance at Cambridge & Counties Bank; this change aims to strengthen the bank’s lending support for commercial and residential properties.

    Who is Stephen Parr?

    Stephen Parr has been a part of Cambridge & Counties Bank since 2020, starting as a relationship manager before advancing to senior business development manager in January 2024. His experience in the bank positions him well to lead the bridging finance sector, focusing on providing tailored financial solutions to clients.

    What is Bridging Finance?

    Bridging finance is a short-term loan option that allows borrowers to access funds quickly, typically for property purchases or renovations. At Cambridge & Counties Bank, clients can secure up to £5 million per property for various asset types, including commercial, residential, or mixed-use, with a maximum term of 24 months. This flexibility makes bridging finance an attractive option for landlords and property investors looking to seize opportunities without lengthy delays.

    What This Means for Landlords and Investors

    The promotion of Parr and the focus on bridging finance signal a proactive approach by Cambridge & Counties Bank to meet the evolving needs of property investors. With the ability to access significant funds quickly, landlords can navigate competitive property markets more effectively. This change may also encourage other lenders to enhance their bridging finance offerings, potentially leading to more competitive rates and terms for borrowers.

    Frequently Asked Questions

    What types of properties can I finance with bridging loans?

    Bridging loans at Cambridge & Counties Bank can be used for commercial, residential, or mixed-use properties.

    How quickly can I access funds through bridging finance?

    Bridging finance typically allows for rapid access to funds, making it ideal for time-sensitive property transactions.

  • Stephen Parr Takes Charge of Bridging Finance at CCB

    Stephen Parr Takes Charge of Bridging Finance at CCB

    Cambridge & Counties Bank has announced the promotion of Stephen Parr to the position of head of bridging finance. This strategic move is significant as it positions the bank to enhance its bridging finance offerings, which are important for landlords and investors seeking quick access to capital for property transactions.

    TL;DR: Stephen Parr has been appointed head of bridging finance at Cambridge & Counties Bank; this role is vital for clients needing rapid funding solutions for property investments.

    Who is Stephen Parr?

    Stephen Parr has been with Cambridge & Counties Bank since 2020, initially serving as a relationship manager. His expertise grew as he transitioned to a senior business development manager role in January 2024. With a solid background in finance and a focus on client relationships, Parr is well-equipped to lead the bank’s bridging finance division.

    What is Bridging Finance?

    Bridging finance is a short-term loan option that allows borrowers to secure funding quickly, typically for property purchases or renovations. At Cambridge & Counties Bank, clients can access up to £5 million per property for commercial, residential, or mixed-use assets, with loan terms extending up to 24 months. This flexibility makes bridging finance an attractive option for landlords and property investors looking to capitalise on immediate opportunities.

    What This Means for Borrowers and Investors

    The appointment of Parr is expected to enhance the bank’s bridging finance services, making it easier for borrowers to secure the necessary funds for their property ventures. This change is particularly relevant for landlords and investors who often require swift financing solutions to seize market opportunities. With Andrea Calverley supporting Parr as a senior lending officer, clients can anticipate improved service and expertise in navigating their bridging finance needs.

    Frequently Asked Questions

    What types of properties can I finance with bridging loans?

    Bridging loans can be used for various property types, including commercial, residential, and mixed-use assets, allowing for diverse investment opportunities.

    How long can I take a bridging loan for?

    Bridging loans at Cambridge & Counties Bank can be taken for a maximum term of 24 months, providing flexibility for short-term financing needs.

  • Buy-to-Let Market Sees Major Structural Changes

    Buy-to-Let Market Sees Major Structural Changes

    The UK buy-to-let market is currently experiencing significant structural changes, marking a pivotal moment for landlords and investors. Recent research highlights a notable shift in how buy-to-let purchases are being financed, with a growing number of investors opting for limited companies.

    TL;DR: In 2025, 43% of all buy-to-let purchases in the UK were completed through limited companies, up from 35% in 2024; this indicates a shift in investor behaviour that could impact tax efficiency and borrowing strategies.

    What is Driving the Shift to Limited Companies?

    According to recent findings, the percentage of mortgaged buy-to-let purchases made through limited companies has surged to 43% in 2025, a significant increase from just 35% in 2024 and below 8% in 2018. This trend suggests that more landlords are recognising the potential tax benefits and financial advantages of incorporating their property investments.

    How Does This Affect Landlords?

    The shift towards limited company structures is reshaping the profile of landlords in the UK. Previously, limited company buy-to-let mortgages were primarily associated with larger investors holding extensive property portfolios. However, as the market evolves, even basic-rate taxpayers with one or two properties are beginning to consider incorporation. This change could lead to a more diverse range of landlords entering the market, each with varying financial strategies.

    What Should Buy-to-Let Investors Watch Next?

    Investors need to stay informed about the implications of this structural change. As the market shifts, understanding the nuances of limited company buy-to-let mortgages will be essential. Investors should monitor potential changes in tax legislation and mortgage products that may arise as more individuals adopt this model. Additionally, the evolving market dynamics may influence property values and rental yields, making it important for investors to reassess their strategies regularly.

    What This Means for Mortgage Brokers

    Mortgage brokers play a vital role in guiding clients through the complexities of the buy-to-let market. With the increasing prevalence of limited company purchases, brokers must equip themselves with knowledge about the specific products available for these structures. Understanding the unique needs of both seasoned investors and new landlords will be key to providing effective advice and securing suitable financing options.

    Frequently asked questions

    What are the benefits of using a limited company for buy-to-let?

    Using a limited company for buy-to-let can offer tax advantages, such as the ability to deduct mortgage interest as a business expense, which may not be available to individual landlords.

    How can I determine if a limited company structure is right for me?

    Assessing your property portfolio size, tax position, and long-term investment goals can help determine if a limited company structure is beneficial. Consulting with a financial advisor or mortgage broker can provide tailored guidance.

  • Cambridge & Counties Bank Expands Bridging Finance Team

    Cambridge & Counties Bank Expands Bridging Finance Team

    Cambridge & Counties Bank has announced the promotion of James Parr to head of bridging finance, a strategic move that underscores the bank’s commitment to enhancing its bridging finance offerings. This change is significant for landlords and property investors seeking flexible financing options, as it positions the bank to better serve clients looking for quick access to funds.

    TL;DR: James Parr has been promoted to head of bridging finance at Cambridge & Counties Bank; this change supports clients needing up to £5 million for property financing.

    Who is James Parr?

    James Parr has been with Cambridge & Counties Bank since 2020, initially serving as a relationship manager before advancing to senior business development manager in January 2024. His experience within the bank equips him with a deep understanding of client needs, which is essential for leading the bridging finance sector.

    What is Bridging Finance?

    Bridging finance is a short-term loan option that provides quick access to funds, often used by property investors and landlords. At Cambridge & Counties Bank, clients can secure financing of up to £5 million for various property types, including commercial, residential, or mixed-use assets, over a maximum term of 24 months. This flexibility is particularly beneficial for those looking to seize investment opportunities swiftly.

    What this means for landlords and property investors

    The promotion of Parr is expected to enhance the bank’s bridging finance services, making it easier for landlords and property investors to access necessary funding. With Andrea Calverley, a senior lending officer who joined the bank in March, supporting Parr, clients can anticipate a more robust service tailored to their financing needs. This could lead to quicker decision-making and improved client support, ultimately benefiting those looking to invest in property.

    Frequently asked questions

    What types of properties can I finance with bridging loans?

    You can finance commercial, residential, or mixed-use properties with bridging loans from Cambridge & Counties Bank.

    How long can I borrow bridging finance for?

    Bridging finance at Cambridge & Counties Bank is available for a maximum term of 24 months.

  • Mortgage Market Update: Santander, HSBC, and Accord Rates Drop

    Mortgage Market Update: Santander, HSBC, and Accord Rates Drop

    The mortgage market is experiencing a notable shift as Santander, HSBC, and Accord Mortgages announce reductions in their mortgage rates. This change is significant for borrowers, particularly first-time buyers and landlords, as it presents new opportunities for more affordable borrowing.

    TL;DR: Santander has cut mortgage rates by up to 17 basis points, affecting new business rates for first-time buyers and remortgages; HSBC has also reduced rates for similar products, making it a pivotal moment for borrowers seeking lower costs.

    What mortgage rates are being reduced in the mortgage market?

    Several mortgage products from Santander have seen substantial rate cuts. For instance, its two-year fixed homemover product at 60% loan to value (LTV) has dropped to 4.43%, down 17 basis points. The five-year fixed equivalent is now priced at 4.44%. Other reductions include a two-year fix with a £999 fee and £250 cashback, now at 4.48%, and a fee-free deal reduced to 4.73%. Higher LTV options also saw decreases, with the two-year fix at 90% LTV now at 4.82%.

    How are HSBC and Accord responding to the mortgage market changes?

    HSBC has implemented similar cuts effective from 3 June. Its two-year fixed rate for first-time buyers at 60% LTV is now 4.85%, down from 4.95%, with cashback reduced from £500 to £250. The five-year fixed rates for first-time buyers have also been adjusted, with the fee-free option now at 4.73%. Meanwhile, Accord Mortgages plans to lower its buy-to-let (BTL) mortgage rates starting 5 June, with reductions of up to 0.3% on two-year fixed rates.

    What does this mean for borrowers and landlords in the mortgage market?

    These rate cuts are particularly beneficial for first-time buyers and landlords looking to remortgage or invest in new properties. The reductions provide a chance for borrowers to secure lower monthly payments, which can significantly impact overall affordability. For landlords, the adjustments in BTL rates by Accord could enhance cash flow and investment potential in a competitive rental market.

    What should borrowers watch for next in the mortgage market?

    As the mortgage market evolves, borrowers should keep an eye on further rate changes from other lenders, as competition may drive prices down even more. Additionally, monitoring cashback offers and fees associated with mortgage products will be important for making informed decisions. For those considering a mortgage, now could be an opportune time to explore mortgage rate comparisons to find the best deals available.

    Frequently asked questions

    What impact do these mortgage rate cuts have on first-time buyers?

    The cuts provide first-time buyers with more affordable borrowing options, potentially lowering monthly payments and making homeownership more accessible.

    How can landlords benefit from the recent mortgage changes?

    Landlords can take advantage of reduced BTL mortgage rates, which may improve cash flow and overall investment returns in the rental market.

  • Stephen Parr Appointed Head of Bridging Finance

    Stephen Parr Appointed Head of Bridging Finance

    Cambridge & Counties Bank has announced the promotion of Stephen Parr to the position of head of bridging finance. This strategic move is significant as it comes at a time when the demand for bridging finance solutions is on the rise, catering to both commercial and residential property investors.

    TL;DR: Stephen Parr is now leading bridging finance at Cambridge & Counties Bank; this role supports clients seeking up to £5 million for property investments.

    Who is Stephen Parr?

    Stephen Parr has been with Cambridge & Counties Bank since 2020, where he began his career as a relationship manager. His expertise grew as he took on the role of senior business development manager in January 2024. With a focus on bridging finance, Parr will be supported by Andrea Calverley, who joined the bank in March as a senior lending officer. Their combined experience is expected to enhance the bank’s service offerings in this competitive sector.

    What is Bridging Finance?

    Bridging finance is a short-term loan option that allows property buyers to secure funding quickly, often used to bridge the gap between purchasing a new property and selling an existing one. At Cambridge & Counties Bank, clients can access up to £5 million for various property types, including commercial, residential, or mixed-use assets, with a maximum term of 24 months. This flexibility is particularly beneficial for landlords and investors looking to seize opportunities in a fast-paced market.

    What This Means for Property Investors

    The appointment of Parr as head of bridging finance is a positive development for property investors and landlords. With increased support and expertise in the bridging finance sector, borrowers can expect more tailored solutions to meet their financial needs. This is especially important in a market where quick access to funds can make a significant difference in securing property deals. Investors should keep an eye on how this leadership change may enhance service delivery and product offerings in the bridging finance space.

    Frequently Asked Questions

    What types of properties can I finance with bridging loans?

    Bridging loans can be used for commercial, residential, or mixed-use properties, allowing flexibility for various investment strategies.

    How long can I borrow with bridging finance?

    Bridging finance at Cambridge & Counties Bank is available for a maximum term of 24 months, providing quick access to funds for property transactions.

  • Buy-to-Let Market Faces Major Structural Changes

    Buy-to-Let Market Faces Major Structural Changes

    The UK buy-to-let sector is currently experiencing significant structural changes, marking a pivotal shift in how property investment is approached. This transformation is underscored by a notable increase in the number of buy-to-let purchases being made through limited companies, reflecting evolving strategies among landlords and investors.

    TL;DR: In 2025, 43% of all mortgaged buy-to-let purchases in the UK were completed via limited companies, up from 35% in 2024; this trend indicates a major shift in landlord behaviour and investment strategies.

    What is Driving the Change in Buy-to-Let?

    According to Joseph Lane, a mortgage broker and property investor, the data from Paragon Bank reveals a transformation in the buy-to-let market that goes beyond mere tax efficiency. The increase in limited company purchases—from just 8% in 2018 to 43% in 2025—suggests a fundamental change in landlord profiles and investment motives. Investors are adapting to new regulations and market conditions, leading to a more strategic approach to property investment.

    Who is Affected by These Changes?

    The shift towards limited company structures is impacting a wide range of stakeholders in the property market. Traditionally, limited company buy-to-let mortgages were considered niche products aimed at seasoned investors with extensive portfolios. However, as the market evolves, even basic-rate taxpayers with one or two properties may find themselves considering incorporation as a viable option. This trend could broaden the market for limited company mortgages, making them more accessible to a wider array of landlords.

    What This Means for Landlords and Investors

    For landlords, the shift towards limited company ownership could offer various advantages, particularly in terms of tax implications and financial planning. The changing profile of landlords indicates a move towards more sophisticated investment strategies, which may include leveraging company structures for better financial outcomes. Investors should be aware that the traditional model of buy-to-let is evolving, and adapting to these changes will be important for long-term success in the market.

    Frequently Asked Questions

    What are the benefits of using a limited company for buy-to-let?

    Using a limited company for buy-to-let can provide tax advantages, such as the ability to deduct mortgage interest from profits, which may not be available to individual landlords. It also allows for easier transfer of ownership and can provide limited liability protection.

    How can I assess my affordability for a buy-to-let mortgage?

    To assess your affordability for a buy-to-let mortgage, you can use a BTL affordability calculator. This tool will help you evaluate your potential rental income against your mortgage costs and other expenses.