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First-Time Buyers Now Spend £163,000 on Rent Before Buying – Why This Matters to Homeowners and Landlords

New figures have revealed that first-time buyers are now paying an eye-watering £163,047 on rent before they are able to purchase their first home. This represents a 40 per cent increase in a decade, according to research from specialist mortgage lender Perenna.

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Nearly 5,000 Fake FCA Scams Reported in Just Six Months

Fraudsters pretending to be the Financial Conduct Authority (FCA) have targeted thousands of people this year, with almost 5,000 fake FCA scams reported in the first half of 2025.

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When Will Interest Rates Drop and What It Means for Your Mortgage

The Bank of England base rate is currently 4.0%, having fallen from a peak of 5.25% over the past year. While this downward trend has provided some relief to borrowers, the key question for homeowners and landlords is how low rates might go and when.

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Why Speaking to a Mortgage Broker Before Your Mortgage Deal Ends Could Save You Thousands and Protect Your Future

Taking out a mortgage is one of the biggest financial commitments you will ever make. While securing your initial deal can feel like a major milestone, it is only the beginning.

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At Last, Some Relief: Average Two-Year Mortgage Fixes Fall Below 5%

Homeowners coming to the end of a fixed mortgage deal are finally getting some good news. For the first time in nearly three years, the average two-year fixed mortgage rate has slipped below five per cent.

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HMRC Warning After 170,000 Taxpayers Targeted by Scammers – How to Stay Protected

Millions of self-assessment taxpayers are being urged to stay vigilant after HM Revenue & Customs (HMRC) revealed it had received more than 170,000 scam referrals in the year to 31 July 2025.

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Preparing for University: How to Protect Your Student’s Gadgets and Valuables

With A-level results day now a distant memory, many young people are preparing to move away from home for the first time to begin their university journey.

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Why Reviewing Your Protection Cover Matters When Remortgaging

When your mortgage deal comes to an end, most people focus on securing the best new rate. However, remortgaging is also the perfect time to step back and look at the bigger picture.

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Is Your Mortgage Deal Ending in Early 2026

Homeowners whose fixed-rate mortgage deals expire in early 2026 are being urged to start planning ahead, as a new wave of rate rises and higher payments could be on the horizon.

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More Lenders Slash Income Barriers for Bigger Mortgages as First-Time Buyers Get a Boost

First-time buyers across the country are set to benefit as a growing number of high street lenders follow Skipton Building Society's lead in lowering the income required to borrow more against your salary.

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Thousands of Landlords to Face Quarterly Tax Reporting Under New HMRC Rules

Landlords across Britain are being warned to prepare for a major tax shake-up that will affect thousands from April 2026. Under new HMRC rules, many property owners will soon have to report their rental income and expenses to the taxman every three months, rather than just once a year.

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Young Homeowners Risk Losing Homes as Thousands Remain Unprotected

Thousands of young homeowners are putting themselves at risk of losing their homes because many have no insurance cover to protect against life's unexpected shocks. New research has revealed that a large number of people aged 18 to 34 have little understanding of essential financial protection, and even fewer have taken steps to safeguard themselves.

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Simple Summer Projects That Could Add Thousands to Your Home’s Value

Summer is the perfect time to tackle those home improvements you have been putting off. But instead of just ticking off a list of repairs, why not focus on the projects that can actually add value to your property? Whether you are planning to sell soon or simply want to enhance your living space, these simple updates could increase your home's appeal and potentially boost its value by thousands of pounds.

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What First Time Buyers Need to Know This Summer And How to Be Prepared

Summer 2025 presents a rare opportunity for first time buyers. Lenders are reintroducing 100 % mortgages, increasing income multiples, and easing affordability tests. While this may help those struggling to save for a deposit, thorough preparation is essential. If you are considering buying your first home this summer, here is what to know and how to get ready.

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Home Insurance and Emergency Cover: Are You Protected for Summer Risks?

Summer should be a season of rest, sunshine and barbecues rather than worry about your home. Yet the warm months can bring specific risks that many homeowners overlook. Leaving windows open, hosting garden parties, holiday travel and the strain of burst pipes from evening temperature drops all bring hazards. Now is the time to check that your home insurance and emergency cover are fit for purpose.

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Mortgage Timebomb: Could Your Monthly Repayments Be About to Soar?

Millions of households across the country are heading for a financial jolt as their fixed-rate mortgage deals start to come to an end. These deals were often taken out during the pandemic when interest rates were at record lows. Now, with those rates no longer available, many borrowers could see their monthly repayments rise sharply.

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Could This 100% Mortgage Help Your Kids Buy a Home Without a Deposit

If you have children or grandchildren stuck renting, watching house prices rise, and struggling to scrape together a deposit, there might be some long-awaited good news. A new No Deposit Mortgage from April Mortgages could help first-time buyers purchase their first home without needing any deposit at all.

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Can Renters Really Skip the Deposit? A Look at Skipton’s Track Record Mortgage

Getting on the property ladder has never been easy, but for many renters today, it feels almost impossible. You pay your rent on time every month often more than what a mortgage would cost but saving a deposit? That’s a whole other challenge. That’s where Skipton Building Society’s Track Record Mortgage comes in.

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Buying a Home in 2025? Here's How Stamp Duty Has Changed

If you're planning to buy a home in England or Northern Ireland this year, there's an important update you should know — stamp duty has increased. From 1 April 2025, the government changed the rules, which means many home buyers will now pay more in stamp duty than they would have a few months ago.

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Sick Pay Gaps and Your Mortgage: Are You Covered If You Cannot Work?

For most people, their mortgage is their largest monthly financial commitment. However, few take the time to consider what might happen if they were suddenly unable to work due to illness or injury.

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Housing Market Update: Average Asking Prices Reach Record High This Spring

The UK property market has made a confident start to spring, with the average asking price of a home reaching a new record high. This comes despite the end of the temporary stamp duty relief at the beginning of April, demonstrating that both buyers and sellers remain active and engaged.

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Mortgage Market Update: Borrowing Opportunities Improve as Lenders Cut Rates and Ease Rules

A shift is taking place across the mortgage market, bringing a wave of opportunity for both prospective buyers and existing homeowners. Leading lenders are responding to expectations of falling interest rates by reducing mortgage pricing and easing affordability criteria. This development could enhance borrowing potential for many households in the months ahead.

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Spring Statement 2025: What You Need to Know

On the 26th of March, Chancellor Rachel Reeves delivered her first Spring Statement, setting out the government’s latest plans for the economy, public services, housing and more. With a focus on stability, growth and long-term reform, the statement outlined key changes that could affect everything from homebuilding and defence to tax and welfare.

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HMRC Plans to Raise Side Hustle Tax Threshold and Strengthen Anti-Tax Evasion Measures

The UK government has announced plans to increase the tax reporting threshold for side incomes from £1,000 to £3,000 by the end of 2029. This change is expected to remove up to 300,000 people from self-assessment tax returns, simplifying tax obligations for individuals earning from small-scale trading, freelancing, and online selling.

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How First-Time Buyers Can Get a Mortgage – A Guide to Government Schemes and Support

Buying your first home is exciting, but it can also feel overwhelming—especially when saving for a deposit, understanding mortgage options, and navigating rising house prices. If you or someone you know is trying to get onto the property ladder, there are government schemes and mortgage options that can help make buying a home more achievable.

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Is Your Five-Year Fixed Mortgage Ending? Here’s What You Need to Know

If your five-year fixed mortgage deal is coming to an end, you might be wondering what to do next. Many homeowners who locked in a low fixed rate several years ago are now facing a different mortgage market, where rates have changed.

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Labour Government Plans to End Leasehold for New Flats

The Labour Government has announced plans to ban the sale of new leasehold flats in England and Wales, replacing them with a commonhold ownership structure. If passed into law, this change would mean that future flat buyers will own their property outright, rather than leasing it for a set period and paying service charges and ground rent to a freeholder.

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Is Your 2-Year Fixed Rate Coming to an End? Let’s See if You Could Get a Better Deal

If your two-year fixed mortgage is about to expire, you might potentially be in for some positive news. Back in early 2023, many borrowers locked into deals with interest rates as high as 6.86%, as the Bank of England battled stubborn inflation with relentless interest rate hikes. Now, however, the tables have turned—and you could be paying much less when you remortgage.

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How to Protect Your Home & Your Future: Why Government Support Won’t Save You

For most homeowners, a mortgage is the biggest financial commitment they will ever make. It’s a long-term promise – one that provides security, stability, and a future for your family. But what happens if you suddenly can’t make your payments?

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The Government’s Help to Build Scheme: Making Custom and Self-Build Homes More Accessible

For many people, the idea of building their own home has long been seen as a luxury—complex, expensive, and out of reach for all but the wealthiest.

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Landlords Face £15,000 EPC Upgrade Bill as Government Confirms 2030 Deadline

Millions of rental homes must meet stricter energy efficiency rules – and tenants could feel the impact.

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Big Changes Proposed to Make Mortgages Easier

We look at some of the FCA proposals and how they could affect clients seeking a mortgage.

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Property Experts Forecast 2025 to be a Buyer's Market

2025 looks set to be a good year for home buyers - we look further into why, and what it means for clients.

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Buying a Home in a Flood Risk Area: What You Need to Know

With flooding often in the news, we look at some of the warning signs for home buyers to be aware of.

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Budget-Friendly Christmas: Money-Saving Tips for a Special Season

A creative and inspirational guide to having a fun Christmas on a budget.

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Does Your Mortgage Deal Still Fit Your Needs?

A timely feature encouraging clients to continue to monitor if their mortgage meets their needs - and the importance of seeking your advice.

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Top Tips to Keep Your Car Safe from Clever Thieves

As technology develops, so do the capabilities of car thieves. We present some tips that clients can follow to help mitigate the risk of car crime.

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Rising Demand for Chain-Free Homes as Stamp Duty Deadline Approaches

An informative article about the changes coming in April 2025.

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Why are Tracker Mortgages becoming so popular?

Looking into the current growing trend towards Tracker Mortgages and a summary of how they work.

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Skip the NHS Queues: Why Private Medical Insurance Could be Your Health Lifeline

We look at the benefit that PMI could offer clients at a time of need.

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Should you Move Home Before Winter?

A feature highlighting the benefits of moving in Autumn, before the onset of Winter.

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A Guide to the Autumn Budget

A summary of the key topics announced at the 2024 Autumn Budget Statement.

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Autumn Property Market Off to a Flying Start

An update for clients as to the growing state of the property market in the UK.

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Are You Ready for the Energy Price Cap Hike?

We share some more detail about the rise in energy prices that will impact consumers this Winter.

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AI Voice Scams: Could You Be Next? Over a Quarter of Brits Targeted

A warning to clients about the increasing sophistication behind scams, using AI to clone voices familiar to their victims.

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First-Time Buyers: Two Months Left to Save up to £15,000 in Stamp Duty

Ahead of Stamp Duty changes in March 2025, we outline some of the opportunities available for first time buyers.

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Know Someone Wanting to Buy Their First Home? Help Secure Their Future

We share a helpful first time buyers guide for those who are seeking to get onto the property ladder.

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Stamp Duty: How Much Will You Pay? Find Out with Our Easy Calculator

Stamp Duty can be an unwelcome expense if not budgeted for correctly - find out how much it could be.

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Time to Safeguard Your University-Bound Teen's Valuables

As students go off to University - it's important to consider the insurance options to protect high-value items.

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Update Your Will After Buying a Home

Buying a home is a key milestone in a client's life and it's important that wills are updated to reflect changes in circumstances should the worst happen.

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The Importance of Travel Insurance

An informative article for clients on the value of travel insurance to help give ultimate peace of mind and relaxation during holidays.

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Can I rent out my home on Airbnb if I have a mortgage?

A popular question in this climate is how can renting a home out affect mortgages - we look at the subject in more detail.

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Easy Store Credit - the Sting in the Tail

With the growing popularity in buy-now-pay-later finance options for consumers across a wide variety of products, we warn of some of the potential dangers to be aware of.

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Buy-to-Let: Understanding Rental Yields

Highlighting the value of rental yields and how they can be important decision making tools for potential buy-to-let landlords.

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Clever Storage Solutions to Maximise Space in Your Home

A lifestyle feature for clients, offering some interior design ideas to make the most of the storage opportunities in their home.

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Secure Your Home For Stress-Free Holidays

Clients worrying about the safety of their property can be counter-productive on holiday, so we highlight tips to improve home security.

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Car insurance for new drivers

Looking into the high cost of car insurance for new drivers and some ways to help reduce premiums to a more manageable level.

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What to do if you're dealing with debt

A useful article signposting the help available for clients should they ever experience the challenges of taking on too much debt.

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Adding Value to Your Garden This Spring

Gardens have long been desirable and known to add value to property, and this feature gives some tips on how to optimise a garden to aid property sales.

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How to Save Money When Buying a Home

Buying a home is one of the largest investments that a client will ever make - so we share some practical ways in which costs can be minimised in certain areas.

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How Do You Know if Your Savings are Safe?

A lot of learnings were made after the 2008 banking crisis, but we take a look at just how safe are client's savings, should the worst happen.

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5 Big Reasons Why Spring is A Good Time to Sell Your Property

The months of March-May are historically the prime time for selling homes in the UK property market, and we look into the opportunities available for clients seeking to move.

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Lower NI Payments, But Beware Creeping Tax Increases

Although 2% National Insurance reductions have taken place, we look into the knock-on impact for the potential risk of tax increases further down the line.

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More Looking to Property Investments to Generate Income

Market insight suggests that one in six people are choosing property to generate income - so we look into the drivers behind this.

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Spring Clean Your Finances

With Spring heralding a new Tax Year, we look at a number of checks you can make to ensure your finances are given the 'spring clean' for the year ahead.

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Act Fast to Secure Your Mortgage Rate

Mortgage deals don't hang around for long, so we share a series of useful tips aimed at clients to help them in providing what you need to progress their application quickly and smoothly.

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Attendance Allowance: Support for Those Receiving Care

Useful client advice if they may have eligible people within their family.

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Is Now the Time to Build Your Own Grand Design?

With a shortage of properties available in certain parts of the UK, we look at self-build options for a dream home.

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Pocket Money Budgeting for the Future

Spending habits can often stem from an early stage, we look at some tips that could get kids off to a flying start.

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Spring Sales: Get Your Home to Market

Springtime has been proven to be the best time to sell a home. We look at a few quick tips that clients can follow to get their home ready for sale.

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How a Recession Could Affect Your Mortgage

According to the ONS, the UK fell into recession in late 2023. We look at what this may mean for home owners.

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Are Your Savings Working For You?

With interest rates at a high - our feature highlights the importance of clients looking at whether their finances are working for them.

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Home Extensions: Where To Start?

We look at whether extending your existing home may be a beneficial decision compared to moving - and possible finance options available.

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Rates Drop: Relief for Homeowners Renewing Mortgages in 2024

The mortgage market is fast moving, and there are positive signs for homeowners as a number of key lenders have reduced their headline rates as 2024 gets underway.

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Is Private Medical Insurance Worth Considering?

This feature helps to highlight what Private Medical Insurance can do for clients to allow them to make more educated decisions in this area.

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Planning Your Next Move? Our Handy Checklist Has You Covered

Moving home can be stressful, so we've put together a checklist that you can share with your clients.

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Navigating 2024: A Comprehensive Guide for Landlords

There's a number of potential reforms and legislative changes for landlords on the horizon in 2024 - we take a look at what could be coming.

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Remortgages: Don't Just Settle for Your Lender's Offer

We highlight the value of professional mortgage advice in a message designed to warn clients against just accepting the first product transfer offered by their existing lender.

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Preparing Your Home for Winter Weather

It pays to be prepared when it comes to cold weather - we share a few tips to help clients protect their biggest asset this Winter.

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Selling a Home with a Help-to-Buy Equity Loan

We share a practical guide for clients looking to sell a home with a Government HTB equity loan outstanding, and everything they need to know.

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Reduce your Outgoings by Checking the Basics

A quick run-through for homeowners on some of the top utility items that they can check to help save money on their bills.

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12 Tips to Help Enjoy a Luxury Christmas For Less

In challenging economic times, Christmas needn't cost the Earth - we share some tips to enjoy the festive season for less.

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HMRC's Income Tax Changes to Clamp Down on Side Hustles

The growth in side jobs and the 'gig economy' brings income tax implications for those unaware - we look at how it pays to stay informed.

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Breakdown Cover: Don't Just Accept Your Renewal Premium

With the cost of everything rising, we look at whether it's feasible to negotiate discounts for breakdown cover to get peace of mind, for less.

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Invest in Your Property to Reduce Energy Consumption

Some discussion and insight on the likely costs of upgrading a home - could it save you money in the long term?

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Should I Overpay my Mortgage?

It's a challenging time with the current Cost of Living Crisis, but data shows more clients are interested in mortgage overpayments - we seek to take the mystery away of how it can work and what it means for the average home owner.

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Boilers and Energy Ratings: What the latest Government Changes Mean for Your Home

We explore some of the Government announcements on their 'Net Zero' strategy.

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Students Could Benefit From Their Parents Insurance

If your clients have students in their family, here's some tips on how they can save money and keep protected.

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Energy Price Cap Drops to £1,923: Why You Should Submit a Meter Reading

With changing energy prices, it's a reminder of why it's important to take a meter reading.

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Five Tell-tale Signs of Social Media Fraud

A timely warning for clients to stay alert and aware of the latest scams and fraudulent means of taking our personal data.

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Bills Warning for Heat Pumps in Rural Homes

Advice on some of the potential hidden costs of heat pumps for those considering changing their energy setup in a rural home.

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Finally, Some Positive News for Home Buyers?

Whilst there has been a lot of doom and gloom in recent times - there are positive trends that may hold some hope for prospective home buyers.

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Guidance for Landlords on Increasing Capital Gains Tax Payments

Landlords must be aware of Capital Gains Tax implications when investing - we share some recent data that's worth knowing,

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Relieve the stress of going on holiday

Holidays should be relaxing - we share a guide on how to take the stress out of travelling.

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Let us help you navigate this crazy mortgage world

With such a volatile mortgage market, we highlight the importance of seeking professional advice.

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Tips for smooth driving to improve economy

With hard times hard right now, we share a few top tips to save money while motoring.

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Key features sought by prospective housebuyers

A useful guide highlighting the features that property buyers most seek in a new home.

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What's going on with mortgage rates?

With mortgage rates spiralling, we provide some guidance behind what's happening and the importance of seeking professional advice.

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The Costs of Moving Home

Moving home can be more costly than clients think, here we outline some of the major costs to help give clients extra guidance in advance of moving.

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Making the Most out of Your Home

An inspirational feature guiding users on how to make the most out of their existing homes for a minimal budget.

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How long could you last without an income?

A thought provoking protection article about how long clients could maintain their lifestyle if they were to lose their income.

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Get Remortgage Ready

As we enter a peak season for remortgaging, we have put together some top tips for clients on what to do to prepare for a remortgage.

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Help Is At Hand For Energy Bills

Energy bills may start to dip once again, but in the meantime we have put together a list of support links for clients who may be struggling.

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The future of Pensions – when will you be able to claim yours?

The State Pensionable age is rising - we look at when your clients may be eligible for theirs.

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Inheritance Tax – is your estate going to be liable?

Rising property prices have swelled the value of estates left behind, but clients may be surprised at the value that can be left behind before IHT is required.

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Keep your house safe during the holiday season

As the holiday season approaches, some timely advice for clients on keeping their homes protected while they are away.

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Tips for viewing a property

Househunting can be stressful, so we've put together some tips on what to look for when viewing a home.

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What happens when you miss mortgage payments?

An overview of what can happen if clients are struggling on their mortgage payments, and how to get help when needed.

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Remortgaging – Don’t do it without professional help!

Making clients aware of the value of using a mortgage & protection adviser.

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Spring Cleaning Tips to Help Sell Your Home

Top Tips to help clients get their home ready for the Spring selling peak.

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It's Good to Talk

Highlighting the importance of clients speaking up to lenders and advisers if they are struggling to pay their mortgage.

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Do you know what to do if your bank or credit cards are stolen?

An advisory piece reminding clients on safeguarding their finances should the worst happen.

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The Importance of Mortgage Advice

An informative story for clients to read about why seeking professional mortgage advice is key.

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Rate Update - Are Mortgage Rates Coming Down?

An update for clients on the state of the mortgage market in 2023.

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When is the Right Time to Remortgage?

A useful guide for clients on extra details to consider when thinking of remortgaging.

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Take Charge of Your Property Sale

Moving home can be stressful, so we've put together some tips for your clients to get the best value when it comes to selling their home.

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Guide to Becoming A Buy to Let Investor

An informative guide to upload to your website to aid engagement.

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Aerial view of suburban housing and distant landscape, England, UK

Guide to Remortgages

An informative guide that helps to provide insight into remortgaging, product transfers and how to prepare.

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Winter Tips to Keep Your Home in Check

A guide for how clients can make some simple changes to safeguard their homes in Winter.

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Will You Have Enough for Your Retirement?

A guide highlighting the value of saving for your retirement and considering all the costs ahead.

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Beware of Scam Messages

A guide to keep your clients safe from fraud and financial scams.

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Group of friends moving house

A Guide to Moving

An informative guide that outlines the key things to consider when moving home.

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Money Saving Advice: Rail Travel

With the Cost of Living Crisis upon us, some money saving tips for travelling by rail.

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Five Ways to Cut the Cost of Christmas

A guide for clients on saving money when it comes to Christmas.

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Credit Cards - Caution Required

An informative guide for clients on important considerations when it comes to credit cards.

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Gas prices falling – should it mean lower bills?

With gas prices easing, this article considers whether clients are right to that expect bills will fall in line.

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Take Five: Advice to Keep You Safe From Financial Scams

Brief your clients with detail of the latest financial scams.

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The Return of the Piggybank?

Guiding clients on the importance of building a rainy day fund & the unexpected costs that can arise.

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Heatproofing your home doesn't have to cost the earth

Simple tips and best practice to save on energy bills during the Cost of Living crisis.

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Cryptocurrency Scam Warning

Keep your clients up to date with the latest online scams involving cryptocurrency.

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How to Right Financial Wrongs

Consumer advice on how to seek remedy for cases when clients can be left dissatisfied and out of pocket.

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Are your elderly relatives receiving all their winter benefits?

Check that your relatives are getting what they're due.

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Smart Meters - Worth the Hassle?

A thought provoking consumer piece to allow clients to establish if Smart Meters are right for them.

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Budgeting and Insuring your New University Student

A feature outlining some of the true costs of a client's offspring going to University, and consideration on the potential insurance products available.

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New Build Property - A Better Choice?

A feature that looks into the pros and cons of considering a new build home, including some of the hidden costs that are often overlooked.

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The Small Price of Protecting Your Holiday

A consumer-focused piece on the importance of holiday insurance and protecting yourself against unexpected costs.

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