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First-time buyers pessimistic about securing a property

New research from the Building Societies Association (BSA) shows that many aspiring first-time buyers could be closer to owning their own home than they think, but too many are ruling themselves out before exploring what is possible.

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Consumer Duty: Turning Regulatory Expectation into Commercial Advantage in Secured Lending

The FCA signaled its continued focus on Consumer Duty (the Duty) with the launch of its 2025/2026 workplan to prioritise embedding the Duty to ensure better consumer outcomes.

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In the press

Credit card spending rose by 2.6% between October and November

Analysis of credit card data for November 2025 by global analytics software leader FICO has found that spending, balances and payments followed seasonal trends in the run-up to Christmas. However, while spending rose as expected during November, it was lower year-on-year, signalling continued pressure on household finances.

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In the press

AperiData and Welcom Digital

AperiData and Welcom Digital are delighted to announce a strategic partnership to power smarter digital lending & collections.

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In the press

Second charge mortgage new business volumes grew by 27% in November 2025

Commenting on the latest new business figures for the second charge mortgage market, Fiona Hoyle, Director of Consumer & Mortgage Finance and Inclusion at the Finance & Leasing Association (FLA), said

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In the press

Affordability gap locks out 1.5m potential homeowners

The gap between what aspiring homeowners can realistically afford and the actual cost of purchasing a home has widened significantly in recent years, according to the latest research by the Home Builders Federation (HBF). As a result, despite strong demand for housing, millions are unable to turn that demand into a purchase, with young people and first-time buyers worst affected.

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