With Autumn around the corner, it’s the perfect time to take control of your finances and your mortgage should be at the top of that list. With interest rates and market conditions constantly shifting, staying proactive could save you thousands over the life of your loan. Here’s a mortgage checklist to keep you on track

Downsizing has become an increasingly popular move for homeowners looking to free up equity, reduce living costs, or simplify their lifestyle. Whether you’re approaching retirement or ready for a fresh start, selling a larger property and moving into something more manageable can be a smart financial and lifestyle decision. To make the most of the opportunity, it’s important to plan carefully.

You’ve already made one of life’s biggest financial commitments, getting a mortgage. But have you considered how secure your mortgage, and lifestyle, would be if something unexpected happened?

If you’re a landlord with more than one property, you’ve probably noticed the landscape has changed. Stricter regulations, tighter margins, and rising tax have made it harder for casual landlords to turn a solid profit. 

Many landlords are enjoying a rare moment of strong returns, as rental yields climb to their highest level in 14 years. Against a backdrop of sustained tenant demand and a persistent shortage of privately rented homes, it’s a good time to assess how to make the most of your property investment.

A growing number of adults are feeling anxious about how they’ll afford care in later life. A recent report by LV= revealed that 67% are worried about covering the cost of care, and 63% fear they’ll run out of money altogether. With the rising costs of medical and in-home support, and increasing pressure on public health services, it’s no surprise that this issue is top of mind for many.

Let’s be honest, talking about what happens when we’re no longer here isn’t exactly an easy conversation. It’s uncomfortable, emotional, and often something we’d rather put off. But avoiding it doesn’t make the reality go away.

If you’re a buy-to-let (BTL) landlord, you may be wondering whether to remortgage or opt for a product transfer (PT). While this choice can be more straightforward for residential borrowers, the options for BTL landlords have historically been more complex. 

Whether used to fund retirement income, home improvements, or support family members financially, a lifetime mortgage can provide significant benefits. However, it’s important to consider how it can impact inheritance tax (IHT) and the value of the property you leave behind.

From 1st April 2025, major changes to Stamp Duty Land Tax (SDLT) take effect, impacting the majority of homeowners in the UK. If you’re planning to buy or move home, it’s crucial to understand how these changes could impact your costs.

If you’re a first-time buyer (FTB) struggling to get on the property ladder, recent discussions about potential changes to mortgage rules could bring some relief. 

If you’re self-employed and planning to buy a home in 2025, knowing how lenders approach these types of applications can make a big difference. 

Sustainable living isn’t just good for the planet, it’s good for your wallet too. Green finance options are designed to help homeowners invest in eco-friendly improvements while reaping long-term financial rewards.

If you are already in the market or considering expanding your portfolio, 2025 presents a prime opportunity to think beyond the immediate rental yields and focus on long-term goals.

The Bank of England has warned that mortgage payments for half of homeowners will rise over the next three years, putting 4.4 million households under financial pressure.

Getting on the property ladder is a major milestone, but it can feel daunting especially with rising house prices and changing mortgage rates.

As we approach 2025, the latest interest bank rate cut to 4.75% (November), the lowest level in over a year, gives homeowners and buyers a moment to review their mortgage options.

As of October 31st, 2024, the Stamp Duty Land Tax (SDLT) surcharge on second homes has risen from 3% to 5% above standard residential rates.

As 2024 comes to a close, many homeowners and first-time buyers are looking for ways to secure the best mortgage deal before the new year.

Securing a mortgage with a low credit score may seem challenging, but it’s not impossible.