Pepper Money has presented its shared ownership white paper to Downing Street to push for a more inclusive housing market.

Tom previously spent eight years at Arbuthnot Latham, where he focused on structuring complex lending solutions for high-net-worth clients.

Andy has held previous board roles at Tesco Bank, Sky and JD Sports.

Ten-year fixed deals now account for just 12.41% of searches, the lowest ever share.

Lightfoots and Lawrence Stephens  have been added to Aspen’s legal panel.

The lender says it has observed a rise in opportunistic transactions across the London market.

Atom Bank has reduced rates across its residential mortgage range by up to 0.10%.

The new products give brokers more choice when placing cases for homeowners, landlords and overseas borrowers.

Since 2000, wages have risen 237% while house prices have increased 345%.

The trade body also believes borrowers may need to wait until 2026 for another reduction in interest rates.