Pressure Grows For Stamp Duty Reform
Calls for Stamp Duty reform are continuing to grow as first-time buyers face rising purchase costs. Research suggests first-time buyers have paid an extra £307m in Stamp Duty since the tax-free threshold changed in April 2025. On average, buyers have reportedly paid £4,618 more to complete a purchase over the past year. For many households […]
Putting Life Insurance In Trust
Recent tax changes have prompted some to reevaluate their reliance on pensions for wealth planning. Amidst this uncertainty, life insurance could provide some peace of mind for those looking to protect their family’s future. Salary sacrifice changes In the Autumn Budget 2025, Chancellor Rachel Reeves announced changes to salary sacrifice for pensions from April 2029. […]
Life Insurance vs Income Protection
Life insurance Life insurance pays out a lump sum to your loved ones if you die during the policy term. You could either be covered for a fixed length of time (such as 10 or 25 years), or for the whole of your life. It’s sensible to get cover if you have any dependents because […]
Remortgage Demand Jumps
New analysis from Stonebridge suggests remortgage activity surged during the opening months of 2026 as borrowers reached the end of ultra-low fixed rate mortgage products arranged during the pandemic. Sharp rise in applications Stonebridge data shows that remortgage applications increased by 45.8% during Q1 2026. The rise comes as many homeowners are reaching the end […]
FTBs could be missing out
Many hopeful homeowners could be closer to getting on the property than they realise, but they are underinformed about their mortgage options. A survey by the Building Societies Association (BSA) has found that nearly half (47%) of people who want to buy a home have never spoken to a lender or mortgage broker. This means […]
What’s happening to the mortgage market?
The mortgage market is facing uncertainty due to ongoing developments in the Middle East. Affordability challenges had been easing slightly in recent months – mortgage rates were slowly coming down due to cuts to Bank Rate. In January 2026, the average monthly mortgage payment was 7% lower than the previous year. However, the recent outbreak […]
The Unprotected Generation
As households continue to feel the impact of ongoing cost of living pressures and job market uncertainty, new research1 from Zurich Retail Protection reveals a growing protection gap among solo homeowners. Half (49%) of those buying a property alone, are doing so without income protection in place. This is despite more than two thirds (68%) being […]
How to Improve Your Credit Score Before Applying for a Mortgage
Your credit score plays a major role in whether you qualify for a mortgage and what interest rate you’ll receive. Even a small improvement in your score before applying can save you thousands of pounds over the life of your loan. If you’re planning to buy a home in the near future, here are practical, […]
Is Now a Good Time to Buy? Understanding Interest Rates in Today’s Housing Market
Whether you’re a first-time buyer or looking to move up the property ladder, one of the biggest questions in the market right now is: Is now a good time to buy a home? One of the biggest factors influencing that answer is interest rates and understanding how they work can help you make a smarter […]
How to Navigate Today’s UK Mortgage Market with Expert Guidance
The dream of homeownership in the UK has never felt so hard-won. For first-time buyers aiming for that vital first rung on the ladder, and existing homeowners facing the dreaded remortgage shock, affordability has become the single most defining word in the UK housing market. While recent regulatory shifts offer glimmers of hope, the balance […]
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