PRESS COVERAGE
I’m a first-time buyer — my Lifetime Isa could now cost me £5,000
Extract Published - 2nd December 2023
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The week that cost you £6k
Extract Published - 23rd June 2023
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Done in 60 seconds: welcome to the speedy mortgage
Mortgage deals selling out in 60 seconds became the new reality for borrowers trying to move fast in a competitive lending environment, and The Times turned to Adrian Anderson to explain why. He broke down how lenders set volume limits on their sharpest-priced products, meaning the window to secure them can close before most borrowers have even gathered their documents. His advice: having a broker with direct lender relationships and early access is no longer a luxury.
Extract Published - 28th May 2023
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Gone in 24 hours: cheap mortgage deals vanish fast
Gone in 24 hours - The Times flagged the growing problem of competitive mortgage deals disappearing before most borrowers had registered they existed. Adrian Anderson explained the commercial logic behind rapid product withdrawals, noting that lenders use short availability windows to manage volume on loss-leader pricing. He advised readers that direct lender access through an experienced broker had become genuinely essential in a market moving this fast.
Extract Published - 11th September 2022
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Mortgage lenders cut rates in bid to lure back buyers
Rate cuts from mortgage lenders - unusually welcome news - prompted The Times to ask Adrian Anderson what was driving the competition and what borrowers should actually do about it. He explained the commercial pressures behind lender pricing wars and assessed what the repricing meant in practice for those looking to fix or remortgage. His guidance helped readers distinguish between headline-grabbing deals and products that offered genuine value across the full life of the mortgage.
Extract Published - 7th January 2023
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The growth in popularity of forever homes
'Forever home' thinking - choosing to stay and improve rather than trade up - was reshaping how many homeowners approached an expensive-to-move market, and The Times featured Adrian Anderson's perspective on what it meant for mortgage decisions. He explained how equity-release remortgages can fund major improvements and what lenders look for when borrowers want to increase their loan size for home upgrades. The piece served as a financial roadmap for a growing number of homeowners reconsidering their options.
Extract Published - 18th October 2019
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What first-time buyers need to know
First-time buyers navigating an increasingly complex mortgage market found the guidance they needed in The Times, where Adrian Anderson cut through the jargon to set out what actually matters at the application stage. He covered the core decisions facing newcomers - fixed versus variable, loan-to-value implications, how lenders assess different income types - and offered a clear framework for approaching the process without being overwhelmed. His emphasis was on getting the right advice early, before choosing which lenders to approach.
Extract Published - 18th October 2019
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Helping friends onto the housing ladder
Helping a friend onto the property ladder sounds straightforward - the mortgage implications are anything but. Adrian Anderson was quoted in The Times on the financial and legal complexities that arise when one party assists another, including how a financial link can affect the helper's own mortgage capacity and credit profile. He urged readers to get specialist advice before committing, noting that generosity without planning can create problems for both parties.
Extract Published - 5th October 2019
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Mortgage rates grow more competitive as lenders compete for business
Mortgage rates at their most competitive in years presented borrowers with more choice - and more complexity. The Times featured Adrian Anderson's analysis of a pricing war between lenders, explaining the commercial pressures driving the competition and how borrowers could use it to their advantage. He helped readers understand that the best deals often carry conditions that make direct comparison harder than the headline rate alone suggests.
Extract Published - 17th October 2019
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Lifetime ISA savers qualify for exclusive mortgage rates
Lifetime ISA holders trying to use their savings for a first home purchase can find the rules working against them in unexpected ways. Adrian Anderson was quoted in The Times on how LISA withdrawal rules interact with mortgage applications, and what buyers need to know about the purchase price cap and associated penalties. His guidance helped readers assess whether the product had served them well given how the property market had moved.
Extract Published - 20th September 2019
SEE ARTICLE →Self-employed borrowers face a mortgage process that is consistently more demanding than it is for employees, and The Times called on Adrian Anderson to explain the specific reasons why. He set out how lenders assess business income, which common structures cause the most problems, and what complex-income borrowers can do to present themselves most favourably. His core message: knowing which lender is most suited to your income structure before applying is the difference between an approval and a decline.
Entrepreneurs are struggling to get mortgages
Self-employed borrowers face a mortgage process that is consistently more demanding than it is for employees, and The Times called on Adrian Anderson to explain the specific reasons why. He set out how lenders assess business income, which common structures cause the most problems, and what complex-income borrowers can do to present themselves most favourably. His core message: knowing which lender is most suited to your income structure before applying is the difference between an approval and a decline.
Extract Published - 14th September 2019
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Supermarkets close their doors to borrowers
Mortgage products withdrawn with almost no notice - the experience The Times compared to a supermarket closing its doors mid-shop - had become a source of genuine anxiety for borrowers. Adrian Anderson explained the regulatory and commercial pressures that trigger rapid product withdrawals and the practical steps borrowers can take to protect an offer already in progress. His guidance gave readers a clear plan for a situation that can otherwise feel beyond their control.
Extract Published - 3rd September 2019
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Growth in 15-year fixed-rate mortgages
Fifteen-year fixed-rate mortgages - a product barely in the mainstream UK market a decade ago - were explored in The Times, with Adrian Anderson assessing honestly who they suit and who they don't. He explained the premium borrowers pay for very long-term certainty and the specific circumstances - older borrowers, those on fixed incomes - where the maths might justify it. The piece gave readers the information to evaluate a product that sounds appealing but rarely fits the majority of borrower situations.
Extract Published - 1st September 2019
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Parents beware of helping children onto the ladder
Parents who use their own home or savings to help children buy a property take on risks that rarely feature in the excitement of the moment. The Times featured Adrian Anderson's frank assessment of the pitfalls of parental guarantor arrangements and gifted deposits, including the impact on the parents' own mortgage capacity and credit file. He urged families to understand the full picture before committing to a financial relationship that can be difficult to exit.
Extract Published - 31st August 2019
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School fees rise, paying havoc with mortgage affordability
Private school fees are a committed monthly cost - and lenders treat them exactly that way when assessing mortgage affordability. Adrian Anderson was quoted in The Times explaining how ongoing school fee payments reduce the maximum loan a family can qualify for, and what parents planning a mortgage application should discuss with their accountant and broker in advance. The piece addressed a financial interaction that affects thousands of families but rarely gets the attention it deserves.
Extract Published - 7th July 2019
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Why it pays to improve rather than move
The financial case for improving a home rather than moving had strengthened considerably as stamp duty and removal costs climbed. The Times featured Adrian Anderson's mortgage perspective on the decision, covering how equity-release remortgages work for funding renovations, what lenders look for when borrowers want to increase their loan size, and how the numbers compare to starting fresh with a new mortgage at today's rates.
Extract Published - 6th July 2019
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Barclays launches family assistance mortgage
Barclays' family assistance mortgage - designed to let parents support first-time buyer children without handing over cash - was assessed in The Times by Adrian Anderson, who looked at how the product worked in practice versus how it was marketed. He explained the conditions attached to the scheme, compared it with alternative approaches, and helped readers understand which family situations it genuinely suited best.
Extract Published - 24th June 2019
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Lenders gambling on cheap mortgage rates
Lenders offering ultra-competitive 'promotional' deals to hit volume targets was the commercial story beneath the headline rate cuts. The Times featured Adrian Anderson's inside perspective on why some lenders effectively discount to attract specific borrower profiles, and what it means for the long-term reliability of advertised rates as a measure of value. His analysis helped readers understand that the cheapest rate at a given moment is not always the right product for their circumstances.
Extract Published - 15th June 2019
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Large mortgage launch from Deutsche Bank
Deutsche Bank's entry into the UK large mortgage market brought genuine competition to a segment where borrowers with high-value requirements had historically faced fewer lender choices. The Times featured Adrian Anderson's assessment of what the move signalled for the sector and what it meant for eligible borrowers in practice. He explained the specific criteria involved and why increased competition at the upper end of the market is unambiguously good news for clients with significant borrowing needs.
Extract Published - 9th June 2019
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Pensioners borrowing from homes to make ends meet
Retired borrowers trying to take out or extend a mortgage encounter lending criteria that can be significantly more restrictive than they expect. The Times featured Adrian Anderson's guidance on how lenders assess affordability for applicants in retirement, which income types count toward calculations, and which products are available to older borrowers. His contribution helped a demographic that often assumes the mortgage process will be simple understand what is genuinely possible.
Extract Published - 24th April 2019
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Longer-term mortgages become more popular
Longer mortgage terms had shifted from the exception to the norm as borrowers stretched repayment periods to manage rising costs. The Times featured Adrian Anderson's expert view on the trade-off involved - how extending the term reduces monthly payments while meaningfully increasing the total interest paid over the life of the loan. He helped readers understand when a longer term reflects a genuine strategic decision and when it is simply deferring a financial problem.
Extract Published - 23rd April 2019
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Is it worth being loyal to your lender?
Product transfer or open-market remortgage? The decision millions of borrowers face at every deal expiry rarely gets the scrutiny it deserves. The Times featured Adrian Anderson's analysis of when staying with an existing lender on a retention product makes more sense than switching, and vice versa. He explained that lender loyalty doesn't automatically mean a worse rate - but checking the open market remains essential, which is why using a whole-of-market broker at renewal is so important.
Extract Published - 9th March 2019
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Building societies may be the answer for those struggling to get a mortgage
Building societies operate on different commercial incentives to high street banks - and that translates into mortgage criteria that can be more accommodating for certain types of borrower. Adrian Anderson was featured in The Times explaining when mutual lenders tend to take a more flexible view of applications and how to identify which society is most likely to be sympathetic to a given situation. The piece was particularly useful for self-employed applicants and those with unusual property types.
Extract Published - 16th February 2019
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Mortgage approvals hit seven-month low
Mortgage approvals at a seven-month low gave The Times the data point it needed to ask Adrian Anderson what was happening to demand and what it signalled for the market ahead. He contextualised the slowdown within the broader pattern of rising rates and shifting buyer behaviour, noting that much of the reduction reflected decisions deferred rather than buyers permanently priced out. His analysis offered a measured alternative to the more alarming interpretations circulating at the time.
Extract Published - 5th January 2019
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Bargains for borrowers in end-of-year sales
December and January mortgage deals - a window where lenders compete more aggressively to hit year-end volume targets - were identified in The Times as a seasonal opportunity that well-prepared borrowers could exploit. Adrian Anderson explained the commercial logic behind the pattern and gave practical guidance on how to position for it: having a decision in principle ready, documents organised, and a broker engaged before the window opens. The piece transformed a general market observation into actionable personal finance advice.
Extract Published - 2nd December 2018
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What Brexit uncertainty means for your money
Prolonged Brexit uncertainty was reshaping how borrowers approached mortgage decisions, and The Times turned to Adrian Anderson for a clear-eyed assessment of the implications. He explained how extended political uncertainty was leading some lenders to tighten criteria while creating negotiating leverage for buyers who stayed motivated. His perspective offered a counterweight to the prevailing mood of market paralysis - acknowledging the uncertainty while identifying the opportunities it created for those willing to act.
Extract Published - 17th November 2018
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The offset mortgage that lacked an offset facility
A reader's dispute with their offset mortgage provider over how savings balances were being treated prompted The Times to consult Adrian Anderson on the rules governing these products. He explained how offset mortgages should work in practice, the obligations lenders have over the calculation of interest savings, and what steps a borrower can take if they believe the product is not performing as promised. His analysis gave the reader a clear basis for pursuing a formal resolution.
Extract Published - 4th November 2018
