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This is our monthly look at what's happening in the world of UK property lending and our first featuring Shaz Ahmed of Elan Property Finance.

Shaz comments on the following news items:

• The Bank of England held the base interest rate at 3.75%. 
• The collapse of Market Financial Solutions (MFS) in February amid allegations of fraud
• The impact of the Renrters' Rights Act on lending
• Rumours of lenders ditching 'Expat Loading' where lenders charge extra for expat mortgages

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We discuss:

1. UK Property Lending Market Update as of May 2026
2. Bank of England Holds Base Rate at 3.75%
3. Impact of Inflation on UK Property Loans
4. Fixed-Rate Mortgages vs. Tracker Loans Explained
5. Swap Rates and Their Effect on UK Mortgages
6. Lending Fraud Scandal Hits UK Property Finance
7. MFS Double Pledging Allegations in Lending Market
8. Increased Regulation in UK Property Lending Predicted
9. Lender Bankruptcies Affecting UK Property Sector
10. FCA Crackdown on UK Unregulated Lending Practices
11. Cost Impact of Stricter Lending Audits on Investors
12. Renters Rights Act Implications for UK Property Investors
13. Shifting Landlord Strategies in UK Property Market
14. Lenders’ New Attitudes Toward Alternative Property Strategies
15. Lending Options Growing for Airbnb and Holiday Lets
16. Specialist Lenders Ditching Expat Mortgage Rate Loading
17. UK Expat Property Investors Getting Better Loan Deals
18. Asset-Based Lending in UK Buy-to-Let Mortgages
19. Ongoing Risk Premiums for Expat UK Property Loans
20. Meet Shaz Ahmed: UK Property Mortgage Specialist

Keywords

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Attention UK Landlords: Free PDF on how to notify tenants about the Renters' Rights Act