There’s a little-known option in the mortgage market that could help some people aged 55 and over buy a new property – and surprisingly, many people, including some estate agents, aren’t aware that it exists. Lifetime mortgages can potentially be used to purchase a property, rather than simply releasing money from an existing [...]
There’s something about October that makes us suddenly notice all the jobs around the house we’ve been successfully ignoring since spring. The boiler gets switched back on. The heating goes up a notch. We discover that one window has apparently never been completely draught-proof. And somewhere in the back of our minds is [...]
Borrowing in later life is becoming increasingly relevant as people live and work for longer, retirement plans change, and more homeowners look to the wealth tied up in their property. Now, the Financial Conduct Authority (FCA) is taking a closer look at the later-life mortgage market. (Source: FCA) In March, the FCA launched [...]
Do you own a rental property? From 1 May, the new Renters’ Rights Act came into force, bringing major changes to how landlords manage tenancies and recover possession of their properties. One of the biggest changes is the removal of Section 21 ‘no-fault’ evictions, meaning landlords must rely on specific grounds when seeking [...]
There's a lot of noise around Later Life Lending — headlines about rates, regulation, and market data. But behind every number is a real person making a real decision about their home and their family. The Equity Release Council keeps a case study archive [1] of stories shared by real customers through their [...]
For all the talk of AI tools and comparison sites reshaping financial services, the latest data on the UK mortgage market tells a different story: human advice still matters, and it matters more than ever. If you're navigating a purchase or remortgage yourself, this is exactly the kind of support we're here to [...]
By now you'll have seen the news: Andy Burnham took office as Prime Minister on 20 July, becoming the UK's seventh PM in a decade. A change like this always brings a wave of questions from clients, so this month's newsletter is dedicated to cutting through the headlines and focusing on what actually [...]
The UK equity release market grew by 11% in 2025, with total lending reaching £2.57 billion according to the Equity Release Council—up from £2.3 billion the year before. The average amount released by customers in the final quarter of 2025 rose by 5.7% year-on-year to £123,174. This is not a niche product for [...]
The new June announcement from the UK Government could be one of the most significant changes to the homebuying process in England in years. If implemented as proposed, the reforms aim to tackle the biggest frustrations buyers and sellers face: long delays, failed transactions, hidden information and duplicated paperwork. What is changing? [...]
It's been a tough few years for household finances, but the data coming out this summer tells a more encouraging story than the headlines might suggest.Here's what the latest figures show, and why they matter for your money. A Welcome Shift for Household BudgetsReal wages are growing again, just barely.ONS figures for the [...]
