Posts by liane

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…

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…

What this could mean for your mortgage – and your next steps. In a widely anticipated move, the Bank of England today reduced the Base Rate from 4.00% to 3.75% The decision comes amid weak economic momentum and further signs that inflationary pressures are easing, and follows November’s closely split 5-4 vote to hold rates when four members already favoured…

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…

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…

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 National Insurance (NI) and income tax thresholds will remain frozen for an additional three years…

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 shift throughout the year, making autumn a sensible moment to check whether your financial safety nets are still fit for purpose. For most…

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 switch to the next deal. However, before you do that, it is important to ask whether that offer is truly the right one…

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. A successful investment is no longer just about location or instinct. It is about understanding what you want your investment to achieve, being…

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 27 October 2025, will end “no-fault” evictions, tighten property standards and create new rights for tenants. It aims to make renting fairer and…