It’s a busy time for changes in the mortgage world. Are you up to date? We are seeing lots of exciting advancements for you! From help securing that first mortgage to those who are ready to remortgage this year. But don’t forget, professional advice is essential to get the most out of your policy. [...]
You might have seen our emails about the Bank of England base rate, or you have been watching it very closely yourself! It’s an important one as it’s the benchmark for borrowing costs across the UK. Lenders use it as one of the inputs when pricing mortgage products. As of early 2026, the base [...]
January is often seen as the month for fresh starts. We declutter our homes, reset routines and take a closer look at our spending after the festive season. But one area that’s often overlooked is the mortgage, even though it’s likely to be your most significant monthly commitment. If you haven’t reviewed your mortgage [...]
Delivered by Chancellor Rachel Reeves on 26th November, the 2025 Autumn Budget brings a mix of new changes. We’ve gone through the details, and here are some changes that you’ll want to keep a close eye on. The good news first: Stamp Duty remains unchanged for main-residence buyers. The government reaffirmed its commitment to [...]
If you’re a homeowner in the UK, you might have heard the term “mortgage prisoner” being thrown around. But what does it mean, and how could it affect you? A mortgage prisoner is someone who is up to date with their mortgage payments but is unable to switch to a more affordable deal. This [...]
When it comes to buying a property or remortgaging in the UK, most people don’t think about mortgages until they’ve already found a home. Or their current deal is nearly up. But, by then, the clock is ticking, and options can be limited. Speaking to a mortgage broker around six months before you’re ready [...]
If you're a homeowner or looking to get onto the property ladder or you are looking to remortgage, you’ve likely been keeping an eye on the headlines. And with good reason! Over the past year, the UK mortgage market has faced changing interest rates, shifting affordability criteria, and increased scrutiny from lenders. But what [...]
Are you looking for a new mortgage? How organised are you? Let’s go through some of the key criteria and get your chances looking nice and healthy! From first-time buyers to those remortgaging, and everything in between. Every lender has its own method to decide whether it wants to lend to you. If you [...]
It’s been a busy year in the finance world! Have you been reading along? We’d thought we’d break down a few changes. Here’s an overview of the current trends in mortgages, protection, insurance, and later-life lending so far: Mortgages Firstly, we are seeing lots of changes in rates and deals. Mostly thanks to declining [...]
If you're planning to buy property in England or Northern Ireland, there’s some big news you should know about. As of April 1, 2025, the temporary Stamp Duty relief introduced back in 2022 has officially ended, and several major changes are now in effect. For a while, buyers enjoyed higher tax-free thresholds, which made [...]
