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Anna Lewis, commercial director at Castle Trust Bank, explores why we should look ahead to 2026 with quiet optimism.

Residential property transactions rose 12% between January and November 2025, compared to the same period in 2024.

The lender has also reduced rates for existing landlord customers looking to product switch.

The updates include income improvements and broaden the scope of family members who can gift deposits.

75% LTV two-year fixed rates have seen the largest reductions.

Vajinder joins the lender in the North West and will be responsible for developing and managing relationships across the intermediary market.

Women are more likely to cite issues related to communication, trust and the adviser-client relationship.

The proposals aim to make it clearer how pensions perform, what they cost and the quality of service.

60% LTV rates now start from 3.56%.

The specialist lender has introduced the new overpayment feature across its mortgage range.