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Heatwaves, home insurance and protecting your property during extreme hot weatherWhen the UK experiences a heatwave, mos...
29/07/2026

Heatwaves, home insurance and protecting your property during extreme hot weather

When the UK experiences a heatwave, most of the attention understandably turns to health, hydration and staying cool. That should always come first. Hot weather can affect everyone, particularly older people, young children, pregnant women and those with underlying health conditions1.Think about protecting your property during extreme hot weather.

However, prolonged periods of hot, dry weather can also create risks around the home. For homeowners, landlords and tenants, it is a useful reminder to check that your property is protected, well maintained and properly insured.

Heat can affect your home as well as your health

A short spell of sunshine is unlikely to cause major property issues on its own, but prolonged hot and dry conditions can increase the risk of certain problems. Think about protecting your property during extreme hot weather.

Heatwaves, home insurance and protecting your property during extreme hot weather When the UK experiences a heatwave, most of the attention understandabl

What the proposed mortgage rule changes could mean for youThe rules around getting a mortgage could change if new propos...
01/07/2026

What the proposed mortgage rule changes could mean for you

The rules around getting a mortgage could change if new proposals from the Financial Conduct Authority are approved1. Check the mortgage rule changes.

The Financial Conduct Authority, also known as the FCA, regulates the UK mortgage market and sets rules that lenders must follow. Its latest Mortgage Rule Review is looking at whether parts of the current system could be made more flexible, particularly for people who may be able to afford a mortgage but find it difficult to meet traditional lending criteria1.

The proposals are intended to support groups who may currently be underserved by the mortgage market, including first-time buyers, self-employed people, borrowers with variable income, older homeowners and those with historic credit issues1.

Nothing has changed yet. The consultation is open until 28 July 2026, and the FCA will consider responses before deciding whether to introduce any new rules1.

What the proposed mortgage rule changes could mean for you The rules around getting a mortgage could change if new proposals from the Financial Conduct A

A major change could be coming to the way we buy and sell homesBuying or selling a home should be one of life’s exciting...
25/06/2026

A major change could be coming to the way we buy and sell homes

Buying or selling a home should be one of life’s exciting milestones. A major change could be coming to the way we buy and sell homes

Too often, however, it becomes one of the most stressful.

A buyer finds a property, agrees a price, starts the mortgage process, pays for legal work and waits for everything to move forward. A seller accepts an offer, begins making plans and may even find their next home. Then, weeks or months later, something goes wrong.

A buyer pulls out. A seller changes their mind. A problem appears in the paperwork. The chain breaks down. Or another offer comes in at the last minute.

It is frustrating, expensive and, for many people, deeply upsetting.

That is why the Government’s planned reforms to the home buying and selling process in England and Wales are worth knowing about.

A major change could be coming to the way we buy and sell homes Buying or selling a home should be one of life’s exciting milestones. A major change co

Have mortgage rates reduced? Is it time to review your options?There have been encouraging signs in the mortgage market ...
25/06/2026

Have mortgage rates reduced? Is it time to review your options?

There have been encouraging signs in the mortgage market recently, but have mortgage rates reduced, a number of lenders are reducing selected mortgage rates.

This does not mean that every mortgage rate has fallen, or that every borrower will automatically be able to access a lower rate. Mortgage pricing changes regularly and the rate available to you will depend on your individual circumstances, including your income, credit profile, deposit or equity, loan size, property type and the lender’s criteria.

However, recent activity from lenders does suggest that parts of the mortgage market have become more competitive again. For homeowners, buyers and landlords, this could make now a sensible time to review what may be available.

Have mortgage rates reduced and what has happened?

Recent industry reporting shows that several lenders have reduced selected mortgage rates1.

Have mortgage rates reduced? Is it time to review your options? There have been encouraging signs in the mortgage market recently, but have mortgage rate

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

Selling your home this summer? Five things sellers need to know as buyers get more choiceIf you are thinking about selli...
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

Speak to your mortgage adviser before borrowing moreAs spring arrives, many people start thinking about home improvement...
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

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

Mortgage deal ending in 2026? Now is the time to review your optionsIf your current mortgage deal ending is due to end t...
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

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