Affordability challenges mean that first-time buyers increasingly need two above-average incomes, the BSA says.
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Title insurance will cut the time taken to process applications and deliver loans to clients.
Green home mortgages will offer the largest cashback.
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Together is also making criteria changes to its second charge product set.
Paying off debts and mortgages has fallen to the lowest recorded level of 21%.
The findings will help industry firms to implement initiatives and support strategies for employees.
Gen H says its intermediary panel now comprises over 16,500 advisers.
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