Today's 
top stories:
                        Tuesday 4th November
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                                                    LendInvest
LendInvest reduces residential Premier and Advantage rates
                                                    Pensions
Government urged to make 'major changes' to pensions IHT plans
                                                    Budget
150,000 properties would fall into reported Mansion Tax bracket
                                                    Santander
Santander reduces home mover mortgage rates
                                                    Mortgage Rates
Average mortgage rate dips back below 5%: Moneyfacts
                                                    Quantum
Quantum increases maximum bridging LTV to 80%
                                                    Blogs
Trudy Woolf: New build risks are evolving
                                                    Nationwide
Nationwide opens interest-only to first-time buyers in major overhaul
                                                    First-time Buyer
Half of first-time buyers delaying until after the Budget
                                                    HSBC
HSBC launches 6.5x income mortgage range
                                                    InterBay
InterBay reduces commercial rates by up to 0.50%
                                                    Equity Release
Aviva's new equity release product offers bonus uplift on partial repayments
                                                    Budget
Housing market 'pausing for breath' in run up to Budget, HMRC stats show
                                                    Blogs
Grant Hendry: Why brokers must look beyond the standard remortgage income cap
                                                    Interest Rates
Brokers call for Base Rate cut to stimulate buyer confidence and affordability
                                                    FCA
Advice firm consolidation could lead to poor outcomes: FCA
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MPowered Mortgages
MPowered closes to new business amid potential sale
                                                    FCA
FCA bans and fines adviser £100,000
                                                    Santander
Santander reduces mortgage rates by up to 0.36% and launches new large loans
                                                    Rightmove
House prices rise modestly amid cautious buyer activity: Rightmove
                                                    CPD article
The art of slowing down: The key to effective client advice and case management
                                                    Finance News
Half of UK first-time buyers now taking on high LTV mortgages