Blog & Market Intelligence

Plain-English articles that tell you something useful

Market updates, rate commentary, and practical guides - written by an adviser, not a marketing team.

Market News16 September 20265 min read

Bank of England holds base rate at 3.75% - what it means for your mortgage

The MPC held the base rate at 3.75% on 17 September 2026. Here is what that actually means for fixed-rate expiries, trackers, and new applications - in plain English.

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Market News9 September 2026

Inflation stuck at 2.9% - why lenders are not cutting mortgage rates yet

Inflation is above target and the base rate is on hold. We explain why the cheap mortgage deals of 2021 are not coming back, and what a realistic rate looks like in autumn 2026.

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Guides21 August 2026

What solicitors actually require for gifted deposits

The AML paper trail, donor declarations, and the one sentence that stops a gift being treated as a loan.

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Guides4 August 2026

When your 25-year interest-only loan ends

The repayment vehicle cliff, lender attitudes to shortfalls, and your realistic options in the final five years.

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Guides17 July 2026

Lender wait times following a default

How long after a satisfied default before each tier of lender will look at you - from 12 months to 6 years.

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Guides1 July 2026

Stress testing explained: the reverted rate that decides your borrowing

Why lenders test you at a rate higher than the one you will pay - and how it caps your loan.

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Guides19 June 2026

Porting vs remortgaging when you move

When porting your deal saves you early repayment charges, and when a fresh lender is cheaper.

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Guides3 June 2026

SPV vs personal ownership: the tax decision for landlords

When incorporation genuinely saves tax - and when the costs outweigh the relief.

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Guides31 August 2026

Three self-employed mortgage myths that are costing you

You do not need three years of accounts. CIS contractors can be assessed differently. And your low salary is not the problem you think it is.

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