Mortgage and Insurance Blog

Date - 21st July 2021

Written by Richard Johnson


Hello again readers,

I hope you are all keeping safe and well and if you need any assistance with your mortgage finance or insurance needs, please feel free to email / call me and I will be happy to help.


It has been a busy week in the interest rate world, with Nat West, Nottingham, Leeds, Furness, Bank of Ireland, Foundation, Vernon, Hinkley and Masthaven all announcing changes.

In criteria news, Vernon Amend their visa and settled status rules.

Bank of Ireland tighten rules for leasehold property with escalating ground rents.

Harpenden makes changes impacting self employed borrowers who have accessed the Government Pandemic assistance (BBL and SEISS)

Skipton make a change to the minimum length of lease for leasehold property.


In wider news, in a sign of the strength of the mortgage market, Belmont Green prices and places a £300m securitisation deal.

House prices grew by 10% to £254,624 in the year to May, up from 9.6% the previous month, according to the Office for National Statistics and Land Registry index. Month-on-month growth also increased to 0.9%, from 0.5% April. Rises were steepest in the North-West, where they climbed 15.2% to £189,245.  The lowest annual growth was in London, where prices increased by 5.2% to £497,948.


In Insurance news, Legal & General announced two new major additions within their new Umbrella Benefits – Fracture Cover and Private Diagnostics Cover.

Fracture Cover provides short term, financial support as a result of suffering a specified injury like fracturing bones to dislocating joints or rupturing tendons to tearing ligaments.  

Private Diagnostics gives customers affordable & quick access to UK based specialist consultant who will help diagnose, support and guide people suffering from serious illness. 


If you need help looking into the wordings and definitions of a new plan, please feel free to get in touch and I’ll be happy to help arrange the new cover.

I hope you found this post of interest and feel free to get in touch with me if you need any help with your mortgage or insurance needs,


All the very best,


Richard Johnson

Cert CII (MP), CeCM, AdvCemap, CeRGI

Mortgage and Insurance Consultant.

Mobile Phone ; 07881802962

Office : 0208 245 8464 direct dial

Email :




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