Is Your Mortgage Deal Ending This Year? Here’s What You Need to Know.
If you took out a two, three or five-year fixed mortgage a few years ago, 2026 could be an important year for you. Around 1.8 million homeowners are coming to the end of fixed-rate deals taken out in 2021, 2022 and 20231. As those deals expire, borrowers face a decision about what happens next and […]
House Prices Set for a Gentle Rise in 2026. What It Means for You
After a few uncertain years for the housing market, there may be some steadier news for homeowners According to new figures from Rightmove, UK house prices are expected to rise by around 2 per cent during 2026, marking a modest improvement after a relatively flat period1. It is not a return to the rapid price […]
The Home Insurance Detail Many Homeowners Miss. Could It Cost You Thousands?
Mortgage brokers regularly speak to clients who are focused on the obvious household costs: mortgage payments, energy bills, council tax. Home insurance often gets treated as a simple renewal. The problem is that small details in a home insurance policy can make a big difference at the point you need to claim. And when those […]
The 2026 Homeowner Check-Up. Four Things Worth Reviewing This Year
Once you own a home, it is easy to put everything on autopilot. Your mortgage ticks along, insurance renews automatically and paperwork stays filed away. But over time, small details can drift out of line with your circumstances, sometimes without you realising. As we move through 2026, there are a few sensible checks worth making. […]
Bank of England Base Rate Update: What It Means for Borrowers and Savers
The Bank of England has announced a reduction in the UK Bank Rate to 3.75%, cutting it by 0.25%. This decision was made by the Monetary Policy Committee (MPC), whose role is to maintain monetary stability and keep inflation close to its 2% target. Why has the Bank Rate been cut? Inflation has fallen significantly […]
Common Bank Statement Mistakes That Could Delay Your Mortgage
Applying for a mortgage is exciting, but it often involves more scrutiny than people expect. One of the first things a lender looks at is your bank statements. They give a real-time picture of how your money is managed, whether your income is steady, and whether your spending habits suggest you can comfortably take on […]
A Guide to the Autumn Budget 2025
Chancellor Rachel Reeves has delivered her 2025 Autumn Budget, the first major fiscal statement of the year for this Labour government. We wanted to provide you with an overview of the most notable announcements made in yesterday’s speech. Personal taxation Wages, benefits and pensions Housing and property Transport Drinking and smoking UK growth, inflation and public […]
How New Energy Efficiency Rules Could Affect UK Landlords and Tenants
The Government is preparing major changes to the energy efficiency requirements for rental properties across England and Wales. These proposals form part of a wider push to make homes warmer, greener, and more affordable to run. Although the plans are still subject to consultation, landlords and tenants may wish to be aware of what is […]
Important Warning About Mortgage “Quick Fixes” Circulating Online This Christmas
As the Christmas period approaches and household budgets come under extra pressure, many homeowners start searching for ways to manage their outgoings. Recently, however, the Financial Conduct Authority (FCA) has issued a firm warning about misleading information online that could leave borrowers worse off1. A number of websites and social media posts are promoting so-called […]
Why Speaking to a Mortgage Broker Before Your Mortgage Deal Ends Could Save You Thousands and Protect Your Future
Taking out a mortgage is one of the biggest financial commitments you will ever make. While securing your initial deal can feel like a major milestone, it is only the beginning. With most UK mortgages offering two or five-year fixed rates, many homeowners will need to remortgage sooner than they realise. Failing to plan ahead can result in paying far more than necessary and leaving your home at risk if life takes an unexpected turn.
Is Your Mortgage Deal Ending in Early 2026? Why Now Is the Time to Act
Homeowners whose fixed-rate mortgage deals expire in early 2026 are being urged to start planning ahead, as a new wave of rate rises and higher payments could be on the horizon. UK Finance data shows that around 1.6 million fixed-rate mortgage deals are due to end in 2025, with a similarly high number expected to […]
Thousands of Landlords to Face Quarterly Tax Reporting Under New HMRC Rules
Landlords across Britain are being warned to prepare for a major tax shake-up that will affect thousands from April 2026. Under new HMRC rules, many property owners will soon have to report their rental income and expenses to the taxman every three months, rather than just once a year 1. What Is Changing? The changes are […]
Young Homeowners Risk Losing Homes as Thousands Remain Unprotected
Thousands of young homeowners are putting themselves at risk of losing their homes because many have no insurance cover to protect against life’s unexpected shocks. New research has revealed that a large number of people aged 18 to 34 have little understanding of essential financial protection, and even fewer have taken steps to safeguard themselves1. […]
More Lenders Slash Income Barriers for Bigger Mortgages as First-Time Buyers Get a Boost
First-time buyers across the country are set to benefit as a growing number of high street lenders follow Skipton Building Society’s lead in lowering the income required to borrow more against your salary. Just days after Skipton announced it would cut its minimum income threshold for higher loan-to-income mortgages from £50,000 to £40,000, Nationwide and […]
Home Insurance and Emergency Cover: Are You Protected for Summer Risks?
Summer should be a season of rest, sunshine and barbecues rather than worry about your home. Yet the warm months can bring specific risks that many homeowners overlook. Leaving windows open, hosting garden parties, holiday travel and the strain of burst pipes from evening temperature drops all bring hazards. Now is the time to check […]
What First-Time Buyers Need to Know This Summer And How to Be Prepared
Summer 2025 presents a rare opportunity for first-time buyers. Lenders are reintroducing 100 % mortgages, increasing income multiples, and easing affordability tests. While this may help those struggling to save for a deposit, thorough preparation is essential. If you are considering buying your first home this summer, here is what to know and how to get […]
Simple Summer Projects That Could Add Thousands to Your Home’s Value
Summer is the perfect time to tackle those home improvements you have been putting off. But instead of just ticking off a list of repairs, why not focus on the projects that can actually add value to your property? Whether you are planning to sell soon or simply want to enhance your living space, these […]
Why You Should Speak to an Adviser When Your Mortgage Deal Ends
When your fixed-rate mortgage deal comes to an end, it might feel easiest to stay with your current lender. After all, they know you, they already have your details, and they might even send you a letter inviting you to switch to a new rate. But before you sign anything, it is worth pausing to […]
Could This 100% Mortgage Help Your Kids Buy a Home Without a Deposit?
If you have children or grandchildren stuck renting, watching house prices rise, and struggling to scrape together a deposit, there might be some long-awaited good news. A new No Deposit Mortgage from April Mortgages could help first-time buyers purchase their first home without needing any deposit at all. Yes, you read that correctly. For the […]
Housing Market Update: Average Asking Prices Reach Record High This Spring
The UK property market has made a confident start to spring, with the average asking price of a home reaching a new record high. This comes despite the end of the temporary stamp duty relief at the beginning of April, demonstrating that both buyers and sellers remain active and engaged. According to the latest figures […]
Sick Pay Gaps and Your Mortgage: Are You Covered If You Cannot Work?
For most people, their mortgage is their largest monthly financial commitment. However, few take the time to consider what might happen if they were suddenly unable to work due to illness or injury. With rising household costs and increasing NHS waiting times, now is an ideal time to ask a simple but important question: could […]
Mortgage Market Update: Borrowing Opportunities Improve as Lenders Cut Rates and Ease Rules
A shift is taking place across the mortgage market, bringing a wave of opportunity for both prospective buyers and existing homeowners. Leading lenders are responding to expectations of falling interest rates by reducing mortgage pricing and easing affordability criteria. This development could enhance borrowing potential for many households in the months ahead. Leading Lenders Reduce […]
Government Plans to End Leasehold for New Flats
The Government has announced plans to ban the sale of new leasehold flats in England and Wales, replacing them with a commonhold ownership structure….
How to Protect Your Home & Your Future: Why Government Support Won’t Save You
For most homeowners, a mortgage is the biggest financial commitment they will ever make. It’s a long-term promise – one that provides security, stability, and a future for your family. But what happens if you suddenly can’t make your payments?
The Government’s Help to Build Scheme: Making Custom and Self-Build Homes More Accessible
For many people, the idea of building their own home has long been seen as a luxury—complex, expensive, and out of reach for all but the wealthiest. However, the UK government’s Help to Build scheme is seeking to change that, offering financial support to those who want to design and construct their own homes rather than buy on the open market.
Does Your Mortgage Deal Still Fit Your Needs?
Are you on the mortgage deal that fits your current circumstances? In today’s ever-changing financial landscape, it’s easy for mortgage deals to become outdated before you know it, and increasingly important to be aware of what’s out there that could be of interest to you.
Is Your 2-Year Fixed Rate Coming to an End? Let’s See if You Could Get a Better Deal
If your two-year fixed mortgage is about to expire, you might potentially be in for some positive news.
Buying a Home in a Flood Risk Area: What You Need to Know
Purchasing a home is one of the most significant decisions you’ll ever make, so it’s crucial to consider all potential risks before committing. This winter, flooding has once again made the headlines, affecting many homes across the UK, and highlighting the importance of factoring in flood risk when searching for your next property. For some […]
Property Experts Forecast 2025 to be a Buyer’s Market
The UK housing market is showing signs of a strong start in 2025, with significant increases in new property listings and a rise in average asking prices. Estate agents Rightmove report that the average price of properties coming to market has increased by 1.7% (£5,992) this month, reaching £366,189—the largest new year price jump since […]
Big Changes Proposed to Make Mortgages Easier
There’s some potentially good news on the horizon for homeowners and aspiring buyers: the Financial Conduct Authority (FCA) is considering shaking things up in the mortgage world. With house prices soaring and affordability feeling like a distant dream, these proposed changes aim to make borrowing simpler, fairer, and more accessible. If you’ve ever felt the […]
Start the Year Right: Plan Ahead Now
January often feels like one of the longest months of the year. With extended gaps until payday and the financial strain left by the festive season, many find their budgets stretched to the limit. If you’re feeling the squeeze right now, take it as an opportunity to plan ahead for the future. Post-Christmas Financial Vulnerability […]
Rising Demand for Chain-Free Homes as Stamp Duty Deadline Approaches
With a significant surge in demand for homes that are chain-free, the UK property market is buzzing as buyers seek a speedy move to beat the looming stamp duty hike. A recent report by Zoopla highlights that 32% of homes currently on the market are listed as chain-free, a significant draw for those keen to […]
Budget-Friendly Christmas: Money-Saving Tips for a Special Season
Christmas is a time for celebration, family, and creating special memories, but it doesn’t have to come with a hefty price tag. For many, budgeting is top of mind, and there are countless ways to make the season festive without overspending. Here’s how to enjoy a wonderful Christmas while keeping your finances in check. 1. […]
Top Tips to Keep Your Car Safe from Clever Thieves
In an age where our cars are more advanced than ever, so too are the methods used by car thieves. Today’s criminals are tech-savvy, using everything from signal jammers to relay attacks to outsmart security systems and steal vehicles in a flash. But don’t worry – there are clever, practical steps you can take to […]
Should you Move Before Winter? Navigating the Autumn Housing Market
As the leaves turn golden and the temperature begins to drop, many UK homeowners may find themselves wondering if autumn is the right time to make a move. For homeowners considering selling or buying a property, the housing market can present both opportunities and challenges at this time of year. In this article, we’ll explore […]
Why Private Medical Insurance Could be Your Health Lifeline
In a world where NHS waiting lists stretch endlessly, more people are turning to private healthcare1. Could Private Medical Insurance (PMI) be your fast track to better health? Let’s explore if it’s worth considering and how it could impact your peace of mind. The Private Healthcare Boom It’s expected that by the end of 2024, […]
AI Voice Scams: Could You Be Next? Over a Quarter of Brits Targeted
Fraudsters are taking advantage of cutting-edge AI technology, and it’s time we all start paying attention. According to shocking new research from Starling Bank, over a quarter (28%) of UK adults have been targeted by AI voice cloning scams in the past year alone. The worst part? Nearly half (46%) of Brits don’t even know […]
First-Time Buyers: Two Months Left to Save up to £15,000 in Stamp Duty
Time is running out for first-time buyers looking to save big on their property purchase. According to new research from Zoopla1, buyers have just two months left to take advantage of the current stamp duty relief before rates rise, potentially saving as much as £15,000. From 1st April 2025, Stamp Duty Land Tax (SDLT) rates […]
Buy-to-Let: The Importance of Understanding Rental Yields
For prospective landlords, understanding the rental yield can be crucial for making informed decisions about the property you intend to purchase and let out.
The Bank of England Reduces Interest Rates to 5.00%
Good news, the Bank of England has announced that interest rates are to be reduced to 5.00%
The importance of travel insurance
With prime holiday time, many will have already booked breaks at home or abroad. With prices of holidays rising, it makes sense to insure your holiday so that you are not out of pocket should the unexpected happen.
Easy Store Credit – the Sting in the Tail
Wherever you go on the high street or online, you will see ‘Buy Now Pay Later’ (BNPL) schemes advertising that you can buy that item you want or need now and pay back the money borrowed, plus interest, over several weeks or months. Some providers add a sweetener by giving the borrower an initial interest free or fee-free period.
What to do if you’re dealing with debt
If you are in debt, or have a family member who is, it can be the loneliest place to be and no matter how resilient you are, eventually it will wear you down. However, there are strategies you can adopt to alleviate the situation and get yourself back on track. If you’re struggling with debt, […]
Car insurance for new drivers
Have you got someone in the family who’s just a driving test away from qualifying to drive? If you have, you will probably be aware that passing the driving test is not the only barrier to being able to take to the roads alone.
How do you Know if your Savings are Safe?
What happens if the institution that looks after your savings goes bust? While memories of the 2008 banking crisis are receding with each passing year, there will always be a concern that money placed with any bank or other institution could be at risk. So, is your nest egg really at risk in 2024? After […]
How to Save Money When Buying a Home
Buying a home is one of the most significant purchases you’ll ever make. While it’s exciting to imagine your new space, it’s crucial to keep your finances in check. Here are some fun and practical ways to save money during your home-buying journey. Know Your Budget and Stick to It Before you start hunting for […]
How to Add Value to your Garden
Gardens have long been desirable and known to add value to property, and with the increase in hybrid working in recent years, the desire for outdoor space can make for a key area that can add both value and appeal to your home. If your property has a garden, we’ve put together a few ideas […]
Attendance Allowance: Support for Those Receiving Care
If you have an elderly family member or someone you know who is in receipt of the state pension, it’s worth checking to see if they are eligible for the Attendance Allowance. With the current high cost of living, it makes sense to be aware of what existing benefits already exist that they may be […]
Is Now the Time to Build Your Own Grand Design?
With a shortage of properties available in certain parts of the UK, we look at whether it could be the ideal time to consider the popular self-build home route and create your own ‘Grand Design’. Where we are now The UK housing market is at a crossroads in 2024. With house prices predicted to fall […]
Pocket Money – Budgeting for the Future
A Cambridge University study once found that a person’s financial habits were established by the age of just 7, so we look at some ways that could get kids off to a flying start