In October the Financial Conduct Authority (FCA) said it’s running a test programme to bring “open finance” into mortgages. In plain English: with your permission, lenders could pull the info they need straight from your bank or budgeting apps, instead of asking you...
Read moreThe “which fix?” question is back because the gap between two and five-year deals has all but vanished. In August, the average two-year fix nudged below the five-year for the first time since 2022 (roughly 5. 00% vs 5. 01% on the day Moneyfacts reported it)[1]. For...
Read moreLosing a parent or loved one is never easy. Alongside the emotional weight of grief, many people find themselves facing practical and financial decisions, especially if property is involved. Inheriting a home can be a blessing, but it can also be complex. Whether...
Read moreIf your current mortgage deal is coming to an end, you might be wondering whether to stay with your existing lender or shop aroundfor a better deal. With interest rates fluctuating and lenders competing for business, re-mortgaging can be an opportunity to secure a...
Read moreFor many, the idea of becoming a first-time buyer in your 50s might seem unconventional. Traditionally, the first rung on the property ladder has been associated with younger generations. But with changing lifestyles, longer life expectancies, and evolving attitudes...
Read moreIn the Autumn 2024 Budget, Chancellor Rachel Reeves confirmed that the temporary relief on stamp duty will expire on 31 March 2025, as previously outlined by the former government. This change brings an end to measures that have provided significant tax savings for...
Read moreOwning a home is a journey filled with paperwork, financial evaluations, and anticipation. A pivotal step in this journey is mortgage approval – the moment a lender trusts you enough to lend you money. However, many hopeful applicants face rejection. If you’re...
Read moreSaving for a deposit is a big step on your journey to buying a home. If you’re a first-time buyer in the UK, knowing how tosave effectively is key in today’s housing market. With average deposits reaching around £61,000, a smart saving plan iscrucial. Here are some...
Read moreThe debate between renting and home ownership has long been a prevalent topic in the UK, where a variety of economic factors and personal circumstances shape housing decisions. In recent years, the UK housing market has experienced considerable fluctuations, impacting...
Read moreThe blossoming of the property market each spring is influenced by several factors. Economically, the end of the financial year in April may encourage buyers to proceed with purchases, armed with a clearer understanding of their finances. Psychologically, the renewal...
Read moreHow to Enhance House Viewings For a Fast Sale Selling your home is a significant milestone, and viewings play a crucial role in securing a successful sale. Creating a welcoming, attractive, and memorable environment for potential buyers can greatly enhance the appeal...
Read moreThe Current Mortgage Market The start of 2024 has brought a wave of optimism to the UK housing market. Rightmove reported a 1. 3% increase in average home prices from December to January, marking the most significant rise for this period since 2020. Additionally, the...
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