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Rob Stanton, sales and distribution director at Landbay, explores why landlords who are well-capitalised and properly advised continue to see Scotland as a viable long-term investment...

The changes are designed to simplify and accelerate application to offer journeys for brokers and customers.

The new senior facility provides increased funding capacity, greater flexibility and a lower overall cost of capital.

Borrowing among over-80s has more than halved since 2023.

The chancellor has secured the commitment from the six largest banks and building societies.

Products are available across a mix of fixed terms and fee options.

Over one third (35%) of those who have not yet included a charitable gift say they would consider doing so.

Holding policy steady is preferable until the impact becomes clearer, Taylor says.

The new tool responds to a persistent challenge across the industry where firms are only identifying a fraction of their vulnerable customers.

The refreshed range spans first-time buyer, Credit Revive, Credit Restore, later life lending and buy-to-let.