Posts by liane

What is changing? Making Tax Digital for Income Tax is an important change that some people may need to prepare for now. From 6 April 2026, it becomes mandatory for sole traders and landlords with qualifying income over £50,000. HMRC says this will then extend to those with qualifying income over £30,000 from 6 April…

If you are a landlord, this spring is an important time to get up to date with the changes coming to the private rented sector in England. From 1 May 2026, the first phase of the Renters’ Rights Act reforms will begin. Government guidance says these changes include the end of Section 21 ‘no-fault’ evictions,…

Mortgage rates are back in the headlines, and if your current deal ends in 2026, this is a sensible time to review your options. Over recent days, lenders have repriced products and withdrawn mortgage deals as markets react to renewed inflation concerns and wider global uncertainty. Reporting this week says the average two-year fixed mortgage…

The UK mortgage market has experienced a significant shift in March 2026, with the outlook changing dramatically in just a matter of weeks. The recent turnaround In early March, lenders were reducing fixed mortgage rates as sentiment around interest rates improved. However, the escalating conflict involving Iran has pushed oil and gas prices higher, increasing…

If you are thinking about selling this spring, now is the moment to get organised. Spring often brings more buyers back into the market, but it also brings more competing listings. Buyers have choice, and they tend to move fastest when a home looks well-presented and the sale feels straightforward. It may also feel slightly…

After a prolonged period of higher borrowing costs, there are early signs of relief for mortgage holders. Rates are not returning to the historic lows of the 2010s, but the overall trend has shifted. For many households, that change in direction matters. As of 26 February 2026, the Bank of England’s base rate is 3.75%,…

If your mortgage deal is due to end this year, it is worth getting ahead of it now. Not because you need to panic, but because leaving it late can limit your choices and increase the chance of ending up on your lender’s Standard Variable Rate (SVR), which can be higher and can change1. A…

If illness or injury stopped you working, even for a few months, what would happen to the mortgage? Most households have never had to test that scenario, and that is entirely understandable. Day to day life is busy, and when the mortgage is being paid each month it is easy to assume things would somehow…

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…

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.…