Renters’ Rights Act, BTL and our brand new Mortgage rate alert system!
The lending market continues to adapt to changing regulation, evolving landlord priorities and increasing demand for flexible mortgage solutions across both residential and Buy to Let sectors. As advisers navigate a shifting landscape, staying informed on legislative developments and lender propositions remains key to supporting clients effectively and identifying suitable opportunities.
In this edition, we’ll be sharing a number of insightful articles exploring what the upcoming Renters’ Rights Act changes could mean for advisers and their landlord clients. With reforms expected to impact tenancy arrangements, landlord responsibilities and wider Buy to Let considerations, understanding the potential implications will be increasingly important when supporting clients with future borrowing and investment decisions.
We’ll also be taking a closer look at the current Buy to Let market and the breadth of product options lenders are making available to advisers. As competition across the sector continues, lenders are expanding product ranges and criteria to support a wider variety of landlord circumstances and property investment strategies, creating new opportunities for advisers to deliver tailored solutions in a changing market.
Alongside this, we’re delighted to introduce Mortgage Metrics, a new mortgage rate alert system now available to The Right Mortgage members. The platform tracks thousands of Product Transfer, Remortgage and Purchase rates across 20 mainstream lenders, helping advisers stay on top of rate reductions between application and completion. Designed to save time, improve efficiency and support better customer outcomes, Mortgage Metrics provides automated alerts when previously secured rates reduce, allowing advisers to react quickly and help clients secure the most competitive deal available.
Find out more about Mortgage Metrics here!
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Victoria Clark
Head of Lending
Changing Priorities for Older Borrowers
The later life lending market continues to grow as more clients approaching or entering retirement seek flexible borrowing solutions that support changing lifestyles, income needs and long-term financial planning. With increasing demand for tailored advice, the industry is placing greater focus on ensuring clients fully understand the range of options available to them beyond traditional remortgaging routes.
In this update, we’ll be sharing an insightful piece from Aviva exploring why interest-only product transfers should not always be viewed as the default solution for over-55 clients. As affordability, retirement income and evolving customer objectives become more complex, the article highlights the importance of including lifetime mortgages assessments in every later-life mortgage conversation.
As the market continues to evolve, staying informed on changing client needs and provider perspectives remains key to delivering suitable outcomes and meaningful long-term support for later life borrowers.
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Victoria Clark
Head of Lending
Claims Successes and Income Protection Expansion
The protection market continues to evolve in response to changing working patterns, increasing awareness around financial resilience and a growing focus on improving customer access to cover. Providers are continuing to modernise propositions and underwriting approaches to better reflect today’s workforce, while advisers remain central to helping clients understand the value of protecting both their income and their families’ futures.
In this edition, we’ll be sharing some of the latest 2025 Claims Statistics, offering valuable insight into the impact protection products continue to have for customers and their families when they need support most.
An important updates from Royal London regarding changes to their Income Protection occupational classes: The enhancements are designed to widen access to cover, improve flexibility at quote stage and better reflect modern working lives. Hundreds of occupations now have access to Income Protection where cover may previously have been unavailable, while many other occupations have moved to lower occupational classes, helping advisers offer improved pricing and greater value to clients.
What’s changing
We’ve improved terms across 707 occupations, with more roles now available for cover.
- 545 occupationsnow have access to Income Protection for roles we previously couldn’t cover – including roles such as pest controllers and window cleaners.
- 162 occupationshave moved to a lower occupational class, meaning cover is available at a lower price for roles such as warehouse managers and electricians.
We’ve also made the following changes:
- 22 occupationsare no longer eligible for Income Protection, including tractor drivers and sports coaches.
- 54 occupationshave moved to a higher occupational class, meaning cover is available at a higher price for roles such as holiday reps and milk delivery person.
At the same time, we’ve also reviewed our approach to Total Permanent Disability (TPD) which has resulted in 67 occupations moved from a working‑tasks definition to an own‑occupation definition and 44 occupations moved from an own‑occupation definition to a working‑tasks definition.
What this means for advisers
- We can now offer Income Protection to more clients, including occupations we’d previously have automatically declined.
- Improved pricing across a meaningful number of roles helps advisers offer better value and remain competitive.
- Greater flexibility at quote stage, even when occupation details aren’t fully confirmed.
Why we’ve made these changes
- Working patterns and job roles have evolved significantly, with more hybrid, flexible and specialist roles, and we want our proposition to reflect modern working lives.
- This review ensures our underwriting approach remains up to date, while continuing to manage risk appropriately.
- These updates support good customer outcomes, help reduce the protection gap by widening access to Income Protection, and help advisers to protect more of their clients’ incomes.
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Amy Wilson
Head of Insurance
Innovation, Accessibility & Enhanced Support
The PMI market continues to evolve at pace, with insurers investing heavily in digital innovation and enhanced wellbeing support as customer expectations shift towards faster access, preventative care and more personalised services. AI-driven healthcare solutions, improved accessibility and broader support for underrepresented health needs are becoming key themes across the industry, reflecting a wider move towards proactive and inclusive healthcare offerings.
In this update, we’ll be highlighting some significant developments from providers, including Bupa becoming the first insurer to launch DERM from Skin Analytics. This upgraded remote skin assessment service is now available to all customers, from individual to corporate clients, giving them access to DERM (Deep Ensemble for the Recognition of Malignancy), a clinically-approved AI tool that can assess lesions or moles in minutes without the need to leave home.
We’ll also cover Aviva’s expanded menopause support, with new services now available across Healthier Solutions and Solutions health insurance schemes, in addition to Optimum. These services are available to policyholders and eligible family members aged 16 and over, further strengthening the support available through their PMI proposition.
Finally, please note that Amanda at Aviva will no longer be working Mondays going forward. To help ensure queries continue to be directed efficiently, an updated contact sheet has been provided.
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Amy Wilson
Head of Insurance
Smarter Cover and Specialist Insights
The General Insurance market continues to adapt to changing customer expectations, evolving risks and a growing focus on added-value protection. Providers are increasingly enhancing core cover features, while also helping customers better understand and protect against emerging and specialist risks, particularly within the high-value home market.
In this update, we’ll be sharing practical guidance from Brown & Brown on protecting high value homes, including key considerations and preventative measures that can help clients safeguard both their properties and possessions more effectively.
We’ll also highlight LV=’s Enhanced Accidental Damage Cover, designed to provide broader protection and additional peace of mind for homeowners looking for more comprehensive cover options.
In addition, we’ll include details of upcoming General Insurance webinars from Source, offering valuable learning opportunities, market insight and product knowledge to help advisers stay informed in an evolving GI landscape.
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Amy Wilson
Head of Insurance
