
The housing market has experienced a period of unprecedented growth in the wake of the pandemic, with low interest rates and changing lifestyle preferences driving demand for property.

The economy has been navigating a turbulent path as it responds to the ongoing impact of Brexit, Covid-19, and global economic trends, with both challenges and opportunities ahead.
The Bank of England has cut the base rate by 0.25% to 3.75% at its final meeting of 2025, marking the fourth cut this year. The move reflects easing inflation and may bring improved mortgage options for borrowers as 2026 approaches.
Buying your first home in the UK is tough, but government schemes can help. This guide shares tips for finding affordable properties and making strong offers. Check if you’re eligible and explore all options before buying.
Halifax reported that house prices have climbed by 2.1% annually for a remarkable three months in succession.

Green mortgages reward buyers of energy-efficient homes, usually with an EPC rating of A or B. Benefits can include cashback, lower rates, or higher borrowing limits, while also cutting energy bills. Several lenders, including Nationwide, Halifax and HSBC, offer these deals, though eligibility varies.

The Bank of England has lowered the base interest rate to 4%, marking the first drop since March 2023. Despite inflation and food price concerns, the rate cut reflects slowing wage growth and greater global economic stability. Governor Andrew Bailey warns that future cuts will need to be made gradually. Our Mortgage Protection Adviser, Nicola Henton, shares her advice for those navigating the market during this shift.

This blog explains the key differences between fixed-rate and variable-rate mortgages, outlining the pros and cons of each. Whether you're a first-time buyer or remortgaging, it helps you understand which option might suit your financial situation and goals.

The Bank of England has held the base interest rate at 4.25%, surprising many who expected another cut.