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If you’re coming off a low fixed-rate mortgage from a few years ago, you’re not alone in feeling the impact of higher repayments. Many households are seeing monthly costs rise significantly and for some, it’s becoming difficult to keep up. The good news is that support is available, and lenders are more flexible than many people realise. Following guidance from the Financial Conduct Authority, lenders are expected to offer practical support to borrowers who are struggling. Th

Over the past couple of years, many homeowners have taken a wait and see approach, hoping interest rates might fall before making a move. But in 2026, that mindset has shifted, following the outbreak of war in Iran. With the Bank of England base rate unchanged at the end of April 2026, borrowers are beginning to accept that today’s rates may be the “new normal” for a while. More homeowners are choosing to act rather than delay, but the challenge is knowing which approach is r

Many aspiring buyers believe they must save a 10–20% deposit before they can even think about getting on the property ladder. While a larger deposit can bring advantages, such as access to lower interest rates and reduced monthly payments, it’s not a strict requirement for many buyers. In reality, it’s often possible to purchase a home with as little as a 5% deposit. Some specialised products, including schemes such as Deposit Unlock for new-build properties and certain lende

For many Millennials and Gen Z homeowners, buying a property is a major milestone but protecting the income that supports it is often overlooked. New insights from CIExpert’s Critical Thinking 2026 report suggest that younger homeowners are not only more aware of this risk, but increasingly open to smarter, more comprehensive protection solutions. The research shows that over half of Millennials (55%) and Gen Z (54%) would consider paying more for protection policies that go

Summer is almost here and now is the perfect time to give your home a little extra love. Even small, budget-friendly upgrades can make a big difference if you’re thinking about selling or simply keeping your home in top condition. A new coat of paint in neutral shades can brighten a room instantly, making spaces feel larger and more inviting. Swapping old door handles, or lights for simple, modern options can give rooms a quick refresh without costing much. Small touches like

As we move through 2026, the housing market is showing mixed trends across different areas of the country. While average house prices have risen, growth isn’t equal. Some areas are seeing stronger demand, while others are more stable. Understanding these regional trends can make a real difference when buying or selling. One key takeaway is the importance of researching the area you want to move to or sell from. Prices and demand can vary significantly between towns and cities

Mortgage rates are rising again, and you may be asking why, especially when the Bank of England held the base rate at 3.75% in March. The key driver isn’t just what’s happening in the UK, but the uncertainty in the Middle East and the wider impact that’s having on global markets. The ongoing conflict between the United States and Iran has created significant economic uncertainty. We’ve seen stock markets fall, with oil and petrol prices rising sharply due to concerns over sup

Downsizing has become an increasingly popular move for homeowners looking to free up equity, reduce living costs, or simplify their lifestyle. Whether you’re approaching retirement or ready for a fresh start, selling a larger property and moving into something more manageable can be a smart financial and lifestyle decision. To make the most of the opportunity, it’s important to plan carefully. 1. Preparing Your Sale Your current home is likely your biggest asset, so presentin

When it comes to managing your finances, your credit score plays a key role – especially if you’re thinking about remortgaging. Many homeowners don’t realise that everyday spending and borrowing decisions can influence the way lenders view your financial health . What is a Credit Score? Your credit score is a record of your borrowing and repayment history, including credit cards, loans, and other finance agreements. Lenders use this information to assess your reliability when

Securing a mortgage can feel overwhelming, and new research shows just how common those struggles are. According to Shawbrook’s latest Home A-loan report, one in three UK adults has found it difficult to get a mortgage, with 30% trying more than once, and 13% making several attempts before finally being approved. Confidence is also low among would-be borrowers. Only 20% of people say they feel completely confident they’d be approved for a mortgage. That figure drops to just 1

Applying for a mortgage as a self-employed borrower can feel complicated, but the outlook for 2026 is looking increasingly positive. Lenders are showing greater flexibility for self-employed applicants, and with the right preparation, securing a mortgage is becoming more achievable. Many lenders now consider self-employed applicants who can demonstrate stable earnings, and income that may not follow traditional patterns. Falling interest rates also make mortgages more afforda

For many homeowners, moving to a second property is an exciting milestone. Whether you need more space, a better location, or are planning for the next stage of family life, stepping up the property ladder can feel like progress. However, it’s also a stage where affordability pressures can resurface. Recent insights from Barclays show that the “Bank of Mum and Dad” is no longer just supporting first-time buyers. In fact, half of second or third-time buyers who received financ

Over the course of 2026, many homeowners will see their fixed-rate mortgages come to an end. UK Finance’s Household Finance Review notes that although more deals are coming to the end of their term, many borrowers haven’t yet taken action to refinance. Some expect interest rate cuts and are holding off, while others simply feel confused about their options. If your deal is coming to an end, it’s important to understand what happens next and how to make the best choice for you

A step-by-step guide to support and inform you throughout the remortgage process.

A step-by-step guide to support and inform you throughout the remortgage process.

A step-by-step guide to support and inform you throughout the remortgage process.

A step-by-step guide to support and inform you throughout the remortgage process.