Today's 
top stories:
                        Tuesday 4th November
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                                                    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
                                                    Keystone Property Finance
Keystone enhances criteria with increased loan sizes and simplified applications
                                                    Mortgages
Mortgage market activity slumps ahead of Budget despite record product choice
                                                    Homeowners
Younger homeowners prioritising flexibility over the 'forever home'
                                                    Commercial
Simply Asset Finance joins the NACFB
                                                    Budget
Reeves lays groundwork for tax rises in surprise pre-Budget speech
                                                    Technology
Jackie Bennett joins e4 Strategic to drive mortgage market digitisation
                                                    Aldermore
Aldermore enhances buy-to-let range with lower rates and new limited editions
                                                    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
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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
                                                    Pensions
Budget rumours drive 45% spike in pension lump sum enquiries
                                                    Rightmove
House prices rise modestly amid cautious buyer activity: Rightmove
                                                    CPD article
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