More than half of UK adults don’t have life insurance – is it something you’ve ever checked?
Life insurance isn’t something most people talk about day to day. In fact, it’s often pushed right to the bottom of the list or never looked at at all. But recent industry research suggests that more than half of UK adults don’t have life insurance in place and a further proportion aren’t even sure whether […]
Life Cover and Your Mortgage: Why Most People Put It Off
Life Cover and Your Mortgage: Why Most People Put It Off Nobody likes thinking about worst case scenarios. Especially not when you are in the middle of one of the most exciting things you will ever do, buying a home, starting a life somewhere, building something that is genuinely yours. So it makes complete sense […]
Standard Variable Rate: Why Remortgaging Late Costs You
Standard Variable Rate: Why Remortgaging Late Costs You If your fixed rate deal is ending soon and you have not sorted a new one, there is a date worth circling. The day your deal expires, you do not just lose your old rate. Your lender moves you onto its standard variable rate automatically, whether you […]
Mortgage Rates on the Rise Again… Here’s What It Means If You’re Mid-Application
Mortgage Rates on the Rise Again… Here’s What It Means If You’re Mid-Application Keeping half an eye on mortgage rates this week? You’ll have noticed a few big names moving the wrong way. Halifax and Barclays have raised rates across large parts of their ranges. HSBC has followed suit. It comes just days after NatWest, […]
New Prime Minister Housing Policy: What Buyers Should Actually Expect
New Prime Minister Housing Policy: What Buyers Should Actually Expect A new Prime Minister always brings housing policy speculation. Stamp duty tweaks. First-time buyer schemes. Planning reform. All the usual suspects get floated. We now have a new PM in place, and the Autumn Budget is still unresolved. So it’s worth asking: what could the […]
60% of Homes Are Still Unsold in 2026: Here’s What It Means For You
60% of Homes Are Still Unsold in 2026: Here’s What It Means For You Three in five homes listed for sale since January are still sitting unsold, according to the latest Zoopla House Price Index. Sales agreed are down 7% on last year and buyer demand has fallen 15%. Read as a headline, that sounds […]
Interest-Only vs Repayment Mortgage: Which One Is Right for You?
Interest-Only vs Repayment Mortgage: Which One Is Right for You? Every mortgage you’ll ever be offered falls into one of two camps: interest-only or repayment. The difference sounds simple, but it shapes how much you’ll actually owe at the end of your term, and it’s worth understanding properly before you choose either one. What’s the […]
Porting a Mortgage: Can You Take Your Rate With You When You Move?
Porting a Mortgage: Can You Take Your Rate With You When You Move? Moving house doesn’t automatically mean losing the mortgage rate you’ve got. Porting a mortgage lets you take your existing deal to a new property instead of paying an early repayment charge and starting again from scratch. It sounds straightforward, and often it […]
Gifted Deposit: How the Bank of Mum and Dad Actually Works
Gifted Deposit: How the Bank of Mum and Dad Actually Works A gifted deposit is now the single biggest source of help for UK first-time buyers, and it’s not particularly close. If you’re relying on money from parents, grandparents, or another family member to get onto the ladder, you’re in good company, but there are […]
Mortgage Approvals Down 2026: Here’s What It Means For You
Mortgage Approvals Down 2026: Here’s What It Means For You Mortgage approvals fell to a one-year low in May 2026, according to the latest Bank of England data. With mortgage approvals down and borrowing slowing, the headlines have made it sound a little gloomy. But before you read too much into that, here’s what it […]