Emma-Jayne Savory has been appointed as director of oversight and compliance at TMG Mortgage Network. She brings 18 years of industry experience to the role, having joined the firm from Mortgage Advice Bureau, where she served as head of supervision. In her new position, Savory will lead all aspects of oversight, ensuring that the network upholds its standards of regulatory compliance and operation integrity. She will be supported by Karen Morris, who also joins from Mortgage Advice Bureau and Graham Bradley.

Virgin Money has made increases to its residential purchase and remortgage, buy-to-let (BTL) and product transfer ranges. On the purchase range, the lender’s rates now start from 4.21% at 80% LTV, while its fix and switch fee-saver rates have increased by 0.20% to 4.90%. These products are available at 80% LTV. On the remortgage rage, a 75% LTV fix and switch fee-saver product now starts from 4.94%. On BTL products, rates have been increased by 0.20% while the product transfer range has seen increases of 0.06% for two- and three-year rates, and 0.10% on five, seven, 10 and 15-year rates.

Gatehouse Bank has reinstated refinancing for BTL applications for UK residents, UK expats and international residents, along with residential home purchase plan (HPP) products for international residents. The bank will now accept applications on all BTL and HPP products, with a finance-to-value of up to 80%. This includes its green home finance products. Under its green home finance proposition, the bank also offers a reduced rate for customers refinancing or acquiring a property with an A-B EPC rating and offsets the carbon emissions generated by the average UK property for the product’s initial fixed term.

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