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Autumn Budget Reaction: How Does it Impact You?
The Chancellor has now delivered the Autumn Budget, and while many of the headline measures were widely anticipated, you might understandably be asking “What does all this mean for my mortgage?” Below is a breakdown of the key themes and what they could mean for your finances over the coming months. Day-to-Day Finances Freezing income tax and national insurance thresholds means that as your salary rises, more of your income is likely to be taxed at a higher rate. This can qui
kristiankolb
2 min read


Preparing for the 2025 Autumn Budget
The Autumn Budget is always a key moment for homeowners, investors and savers. This year’s announcement on 26th November is expected to be no different. The Chancellor will set out the government’s plans for tax, borrowing and spending for the year ahead. Last year, Rachel Reeves delivered her first budget, which included a record £40 billion in tax rises. At the time, she made clear there is no intention to repeat such measures in 2025, but with a fragile global economy, man
kristiankolb
2 min read


Understanding Maturing Rates: What You Need to Know
As we approach the end of 2025, many homeowners will see their fixed-rate mortgages come to an end. UK Finance’s Household Finance Review notes that although more deals are coming to the end of their term, many borrowers haven’t yet taken action to refinance. Some expect interest rate cuts and are holding off, while others simply feel confused about their options. If your deal is coming to an end, it’s important to understand what happens next and how to make the best choice
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2 min read


Your Mortgage Review Checklist for Autumn
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...
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2 min read


Freedom to Buy: Making Homeownership Accessible
The dream of owning a home just got a little easier for thousands of people across the UK. In July 2025, the government officially...
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2 min read


Houses in multiple occupation (HMO’s): A short guide
Background This is a sub division of the buy to let sector and has seen steady growth over the last few years as housing demographics...
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4 min read


Economic Outlook: The Time to Buy
If you’ve been wondering whether to take the leap and buy a home, summer 2025 could be the perfect moment to do just that, especially if...
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2 min read


30 Year Mortgages: Getting onto the Property Ladder
Getting onto the property ladder has never been easy, and for today’s first-time buyers, it often means committing to a mortgage that...
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2 min read


Life Changes, So Should Your Protection
You’ve already made one of life’s biggest financial commitments, getting a mortgage. But have you considered how secure your mortgage,...
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1 min read


The Middle East: Indirect Mortgage Impact
If your mortgage is coming up for renewal, you’re probably already aware that the days of low interest rates are behind us. Many...
kristiankolb
2 min read


Limited Company Buy-to-Let: Time to Rethink?
If you’re a landlord with more than one property, you’ve probably noticed the landscape has changed. Stricter regulations, tighter...
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2 min read


Buy-to-Let: Rental Yield Opportunity
Many landlords are enjoying a rare moment of strong returns, as rental yields climb to their highest level in 14 years. Against a...
kristiankolb
2 min read


Funding Later Life Care with a Lifetime Mortgage
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...
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2 min read


Critical Illness Cover: A Stroke can Change Everything
Every year, around 100,000 people in the UK suffer a stroke, making it one of the most serious and life-changing medical emergencies....
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2 min read


Renters’ Rights Bill: 3 Ways Landlords can Prepare
The Renters’ Rights Bill, anticipated to become law around May 2025 with full implementation expected by October 2025, is set to bring...
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2 min read


Lifetime Mortgages: A quick guide
The following post is designed to provide insight and information for people who are interested in learning more about what Lifetime...
kristiankolb
3 min read


Getting Comfortable With Uncomfortable Conversations
Let’s be honest, talking about what happens when we’re no longer here isn’t exactly an easy con versation. It’s uncomfortable, emotional,...
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2 min read


The Impact of a Lifetime Mortgage on Inheritance Tax
A lifetime mortgage is a popular way for homeowners, over 55, to unlock equity from their property while continuing to live in it....
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2 min read


Making Green Finance Work For You
Sustainable living isn’t just good for the planet, it’s good for your wallet too. Green finance options are designed to help homeowners...
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2 min read


How to Navigate Asking Prices
The housing market is off to a strong start in 2025, with average asking prices reaching £366,189 in January - a 1.8% increase compared...
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2 min read
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