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
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
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
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
Mortgage Product Transfer vs Remortgaging: Why Advice Can Make All the Difference
If your mortgage deal is coming to an end, your lender may already have contacted you with a new rate. It often looks simple. You log in, click a few buttons, and
How to Choose the Right Investment Property in 2025
The buy-to-let market continues to evolve. With rental demand remaining strong and borrowing costs higher than in previous years, choosing the right investment property has become a more strategic decision than ever.
Why it is the Perfect Time to Review Your Income Protection
As the year draws to a close and households prepare for the busy winter months, many people take time to review their finances. Mortgage rates, energy bills and day-to-day costs can all
End of No-Fault Evictions in Biggest Shake-Up to Renting Laws in a Generation
Renters and landlords are facing the biggest shake-up in housing law for more than thirty years after the Government’s Renters’ Rights Act officially became law1. The legislation, which received Royal Assent on
Nearly 5,000 Fake FCA Scams Reported in Just Six Months
Fraudsters pretending to be the Financial Conduct Authority (FCA) have targeted thousands of people this year, with almost 5,000 fake FCA scams reported in the first half of 20251. The FCA has
When Will Interest Rates Drop and What It Means for Your Mortgage
The Bank of England base rate is currently 4.0%, having fallen from a peak of 5.25% over the past year1. While this downward trend has provided some relief to borrowers, the key
First-Time Buyers Now Spend £163,000 on Rent Before Buying – Why This Matters to Homeowners and Landlords
New figures have revealed that first-time buyers are now paying an eye-watering £163,047 on rent before they are able to purchase their first home. This represents a 40 per cent increase in
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.
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