Mortgage brokers ‘seeing rise in quantity of lending agreed for his or her shoppers’

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Your help makes all of the distinction. Learn extra Practically four-fifths of mortgage brokers are noticing an increase within the quantity of lending agreed for his or her shoppers, in response to a survey.

HSBC UK’s mortgage dealer barometer, which gathered sentiment from greater than 1,100 mortgage brokers in July 2025, discovered 78% had seen a rise within the quantity of lending agreed.

Many lenders have just lately made adjustments permitting some owners to borrow extra, following clarification from the Monetary Conduct Authority (FCA).

Following adjustments to its personal stress charges, HSBC UK estimated the typical mortgage provide for first-time patrons will probably be £39,000 larger than would beforehand be supplied.

9 in 10 (93%) brokers surveyed stated that it will be significant for his or her shoppers to extend their borrowing energy.

Practically two-thirds (63%) of brokers have stated they're seeing shoppers take proactive steps to enhance their credit score rating.

The identical proportion (63%) anticipate mortgage functions to extend over the subsequent six months.

Confidence on buy-to-let (BTL) mortgages is extra muted, the report indicated, with the vast majority of brokers anticipating BTL functions to stay on the present degree.

Practically 9 in 10 (87%) brokers surveyed predict that the Financial institution of England base price will probably be decreased over the course of the 12 months.

Chris Pearson, head of middleman mortgages at HSBC UK, stated: “The current changes to emphasize charges by lenders are clearly making a optimistic and tangible impression.

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“This dealer barometer reveals that just about eight in 10 brokers are seeing an uptick within the quantity of lending agreed for his or her shoppers. It is a essential improvement because it immediately interprets into enhanced shopping for energy and better accessibility for aspiring owners, reflecting a extra responsive market.”