INTELLIGENCE FOR YOUR NEXT CHAPTER
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A UK perspective on property, money and the decisions ahead.
Beyond Mortgage Rates: Understanding Affordability
A first-time buyer’s guide to comparing mortgage costs, planning a household budget and allowing for fees, maintenance and changes in circumstances.
Originally published 08/10/2026Property Mini-Bonds: Understand the Repayment Risk
Distinguish a company’s promise to repay from ownership of property or a protected savings deposit.
Originally published 01/09/2026When a Property Does Not Meet Mortgage Criteria
Find out the specific concern before assuming a property cannot be financed or that a repair will secure approval.
Originally published 19/08/2026How to Stress-Test a Buy-to-Let Budget
Use explicit scenarios to see how rent gaps, repair costs and finance changes could affect cash flow.
Originally published 11/06/2026Mortgage Rule Proposals: What Borrowers Should Check
Understand the difference between a proposed lending reform and the mortgage terms a lender can offer you.
Originally published 10/06/2026Renting and Buying: What the April 2026 Cost Comparison Shows
A dated comparison of advertised rents and modelled mortgage payments, with the assumptions that matter.
Originally published 30/04/2026January 2026 Mortgage Payments: Understanding the £119 Comparison
A historical model showed lower payments than a year earlier, using specific deposit and term assumptions.
Originally published 19/02/2026First-time buyer borrowing: what the 2025 lending figures tell us
Savills’ December 2025 analysis provides a dated picture of first-time buyer borrowing, rather than a guide to today’s mortgage offers.
Originally published 15/12/2025First-time buyer affordability: Taylor Wimpey’s November 2025 warning
The housebuilder’s dated market assessment and the distinction between planning progress and buyers’ ability to commit.
Originally published 16/11/2025Loan-to-Value: Understanding the Calculation
Understand the LTV calculation and why the value used by the lender matters.
Originally published 01/02/2025