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28/05/2026

Is your mortgage deal ending this year or in early 2027? Why reviewing early could save you money

If your mortgage deal ending is later this year, or in early January 2027, now could be the time to start looking at your options.

For many homeowners, the mortgage is the largest monthly bill they pay. Yet it is also one of the financial products most likely to be left until the last minute.

That can be costly.

When a fixed, tracker or discounted mortgage deal ends, borrowers are usually moved onto their lender’s standard variable rate, often known as the SVR. This can be significantly higher than the rate they were paying before, which means monthly repayments can rise sharply if no action is taken1.

In 2026, this matters because mortgage rates remain much higher than many homeowners became used to during the ultra-low-rate years. Household budgets are still under pressure, and even a relatively small difference in rate can make a noticeable difference to monthly payments.

Is your mortgage deal ending this year or in early 2027? Why reviewing early could save you money If your mortgage deal ending is later this year, or in

27/05/2026

Selling your home this summer? Five things sellers need to know as buyers get more choice

If you are thinking about selling your home this summer, the market may look encouraging at first glance.

Asking prices have been holding up, homes are still selling, and many buyers remain active. But look a little closer and the picture becomes more complicated.

Rightmove’s May 2026 House Price Index reported that the average price of property coming to market rose by 1.2% in May to £378,304. Sales agreed were 4% lower than the same period last year, suggesting that activity has not disappeared1.

However, sellers should not confuse a steady market with an easy one.

Rightmove also reported that buyers now have the widest choice of homes for sale at this time of year since 2015, while around 32% of homes on the market have had a price reduction1.

That matters because buyers with more choice can afford to be more selective.

Selling your home this summer? Five things sellers need to know as buyers get more choice If you are thinking about selling your home this summer, the ma

13/05/2026

Speak to your mortgage adviser before borrowing more

As spring arrives, many people start thinking about home improvements and making changes to their home. Longer days and better weather can make it a natural time to plan improvements, whether that means building an extension, converting a loft, replacing a kitchen, upgrading a bathroom, improving energy efficiency or making the home more suitable for family life.

Home improvements can add comfort, space and, in some cases, value to your property. However, they can also involve significant costs. Materials, labour, planning requirements and unexpected issues can all affect the final amount you need to spend.

If you are considering borrowing more to pay for the work, it is worth speaking to your mortgage adviser before you make any firm commitments. They can help you understand the options available and whether additional borrowing may be suitable for your circumstances.

There may be several ways to fund home improvements.

Speak to your mortgage adviser before borrowing more As spring arrives, many people start thinking about home improvements and making changes to their ho

07/05/2026

Landlords must send the new Renters’ Rights information sheet to tenants by 31 May 2026

Landlords in England should check whether they need to send tenants the new Renters’ Rights Act Information Sheet 2026.

From 1 May 2026, the first phase of the Renters’ Rights Act 2025 comes into effect. As part of this, private landlords and letting agents must provide tenants with the official government Information Sheet where it applies. The GOV.UK page states that the guidance is for private landlords and letting agents in England1.

The requirement applies to existing assured or assured shorthold tenancies created before 1 May 2026, where there is a written tenancy agreement or where the tenancy terms are wholly or partly recorded in writing1.

The Information Sheet explains how the new rules may affect tenants, including changes to fixed terms, rent increases, possession rules, Section 21 notices and requests to keep a pet1.

The deadline is 31 May 2026.

Landlords must send the new Renters’ Rights information sheet to tenants by 31 May 2026 Landlords in England should check whether they need to send ten

30/04/2026

Mortgage deal ending in 2026? Now is the time to review your options

If your current mortgage deal ending is due to end this year, it is worth reviewing your options sooner rather than later.

Across the UK, many homeowners are expected to reach the end of fixed-rate mortgage deals during 2026. UK Finance forecasts that 1.8 million fixed-rate mortgages are due to end this year, which means many borrowers will be reviewing their next steps at the same time1.

The mortgage market also continues to change. Lenders have adjusted rates in recent weeks, but there is still uncertainty around whether borrowers should secure a new deal now or wait to see if pricing changes further. At the same time, household budgets remain under pressure, with UK CPI inflation rising to 3.3% in March 2026, according to the Office for National Statistics2.

Is your mortgage deal ending?

Mortgage deal ending in 2026? Now is the time to review your options If your current mortgage deal ending is due to end this year, it is worth reviewing

29/04/2026

Has your life changed since you last reviewed your protection needs?

Your mortgage is likely to be one of your biggest financial commitments, but it is easy to forget that your wider protection needs can change over time.

If you arranged life cover, critical illness cover or income protection when you first took out your mortgage, the cover may have been suitable for your circumstances at the time. However, your life may look very different now.

You may have moved home, changed jobs, become self-employed, started a family, increased your borrowing, reduced your working hours or taken on new financial commitments. Any of these changes could affect the type or level of protection you may need.

A mortgage review is a good opportunity to look at this again.

Has your life changed since you last reviewed your protection needs? Your mortgage is likely to be one of your biggest financial commitments, but it is e

30/12/2025

Common Bank Statement Mistakes That Could Delay Your Mortgage

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 and Bank Statement Mistakes. 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 a mortgage.

For many buyers, this can feel like an extra layer of pressure. The good news is that most issues seen on bank statements are entirely avoidable once you know what lenders are watching for.

Here are the most common red flags, what they mean, and how to prepare.

Frequent use of overdrafts Bank Statement Mistakes

Occasional dips into an arranged overdraft rarely cause problems, particularly if your overall finances look stable. The concern arises when there is a clear pattern of relying on overdrafts to get through the month.

Common Bank Statement Mistakes That Could Delay Your Mortgage Applying for a mortgage is exciting, but it often involves more scrutiny than people expect

15/12/2025

How New Energy Efficiency Rules Could Affect UK Landlords and Tenants

The Government is preparing major changes to the energy efficiency requirements for rental properties across England and Wales with new Energy Efficiency Rules. 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 being considered and how it could shape the rental market over the coming years.

What the Government is proposing with new Energy Efficiency Rules

The central proposal is to raise the minimum Energy Performance Certificate (EPC) rating for privately rented homes. Under the current rules, properties must achieve at least an E rating. The Government is exploring an increase to a stricter C rating for new tenancies from 2028, with all existing tenancies to be included by 20301.

How New Energy Efficiency Rules Could Affect UK Landlords and Tenants The Government is preparing major changes to the energy efficiency requirements for

27/11/2025

Important Warning About Mortgage “Quick Fixes” Circulating Online This Christmas

As the Christmas period approaches and household budgets come under extra pressure, many homeowners start searching for ways to manage their outgoings with Mortgage “Quick Fixes”. Recently, however, the Financial Conduct Authority (FCA) has issued a firm warning about misleading information online that could leave borrowers worse off1.

A number of websites and social media posts are promoting so-called “promissory notes”, claiming they allow borrowers to avoid making their mortgage payments with Mortgage “Quick Fixes”. These claims may appear convincing at first glance, but they are incorrect and can lead to serious financial consequences1.

Important Warning About Mortgage “Quick Fixes” Circulating Online This Christmas As the Christmas period approaches and household budgets come under

26/11/2025

Budget 2025

Chancellor Rachel Reeves has delivered her Autumn Budget 2025, 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 Budget 2025

- National Insurance (NI) and income tax thresholds will remain frozen for an additional three years beyond 2028, gradually pushing more people into higher tax brackets.

- The annual cash limit for under-65s using cash ISAs will be restricted to £12,000. The remainder of the £20,000 allowance must be used for investment products.

- Basic and higher income tax rates applied to property, savings and dividend income will rise by two percentage points.

Wages, benefits and pensions Budget 2025

- From April, the cap preventing households on Universal Credit or Child Tax Credit from receiving support for a third or subsequent child will be removed.

Budget 2025 Chancellor Rachel Reeves has delivered her Autumn Budget 2025, the first major fiscal statement of the year for this Labour government. We w

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Tuesday	8:30am - 6pm
Wednesday	8:30am - 6am
Thursday	8:30am - 6pm
Friday	8:30am - 6pm
Saturday	9:30am - 12:30pm

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