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We spoke to Toni Robinson-Bowring, chief product and marketing officer at Twenty7tec, about changing client expectations, the launch of Steppl, the commercial case for stronger client...

As part of the changes, CHL will now accept applications for first-time buyers.

The new range has no application or valuation fees.

The product enables buyers to delay their first mortgage repayment by up to three months.

Seb held previous roles at Citigroup, Accenture, HSBC Global Asset Management, Barclays, and Lloyds Banking Group, before joining the Bank of England's PRA.

The updates include new AI document analysis, a single communications hub, and enhanced protection integration.

The Scottish Financial Reporter Awards have been created to give Scotland’s distinct mortgage market a dedicated platform of its own.

Markets have priced in a rise to 4% later this year and two further increases in 2027

Limited awareness of finance options, complex application processes, and difficulties accessing products suited to businesses with limited collateral were all highlighted as issues.

Two thirds of borrowers assume lenders restrict by age and 57% believe that equity release is their only option.