News in brief – 12 November 2025

Redwood Bank has enhanced to its commercial investment and owner-occupier mortgage offerings. The specialist bank has extended its maximum mortgage term from 25 to 30 years and reduced the minimum applicable debt service coverage ratios across several of its lending categories.

LHV Bank has appointed Callum Livingstone as lending director. He will work across both trading and real estate businesses at the group, focusing on term debt and investment lending, including growth, acquisition and expansion finance. Livingstone has joined LHV following four years at Cynergy Bank.

Credas has become the latest member to join the Open Property Data Association (OPDA). The association has a mission to make the homebuying process faster and more transparent through the sharing of digital property information. Credas, a digital identity verification provider, offers services to estate agents and conveyancers, covering 60% of ID checks on UK housing transactions.



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