Mortgage News & Insights
The latest mortgage news, rate changes, and expert advice
Where UK House Prices Are Rising and Falling Fastest in 2026
UK house prices are rising in 101 of 146 cities, with Darlington up 9.5% and central London boroughs down over 10%. Data-driven analysis from HM Land Registry, January 2026.
30 March 2026
Most Affordable UK Cities for First-Time Buyers in 2026
Aberdeen is the most affordable UK city for first-time buyers in 2026, with properties costing just 3.5x local earnings. We ranked 145 cities using HM Land Registry and ONS data.
30 March 2026
How Much Do You Need to Earn to Buy a Home in Every UK City?
On a UK median salary of £35,000, 26 cities are within reach for first-time buyers. We crunch HM Land Registry prices against ONS earnings to show the income needed in every major city.
28 March 2026
How Much Can I Borrow for a Mortgage in 2026?
Wondering how much you can borrow for a mortgage in 2026? We break down the income multipliers and affordability stress tests lenders actually use — and explain why a broker could help you borrow more than going direct.
27 March 2026
Average Mortgage Deposit by UK City: 2026 Data
A 10% deposit ranges from £11,308 in Aberdeen to £102,282 in Kensington and Chelsea. See the full breakdown for every UK city.
26 March 2026
How to Get the Best Mortgage Rate in the UK Right Now
With lenders like HSBC, Nationwide, and Coventry repricing their deals daily, knowing how to move quickly is just as important as knowing where to look. This practical guide shows you exactly how to compare, apply, and lock in the best mortgage rate available right now.
24 March 2026
Can I Afford to Buy in London? Borough-by-Borough Breakdown
London FTB prices range from £332,036 in Croydon to £1,022,820 in Kensington and Chelsea. See every borough ranked with deposits and income needed.
24 March 2026
How to Remortgage: A Step-by-Step Guide for UK Homeowners
Remortgaging doesn't have to be complicated — but knowing when to start and what to prepare can save you thousands. This step-by-step guide walks UK homeowners through the entire process, from your first review to completion.
20 March 2026
Fixed Rate Mortgages Explained: How They Work and Whether to Choose One in 2026
Fixed rate mortgages are priced using swap rates, not the Bank of England base rate — a distinction that matters when markets are volatile. This guide breaks down how they work, how they compare to trackers and SVRs, and how to decide between a two, three or five-year fix in 2026.
17 March 2026
Will Interest Rates Go Up in 2026? What the Bank of England Might Do Next
The Bank of England's Monetary Policy Committee faces a genuine dilemma heading into 2026 — stubborn domestic inflation pulling rates higher, while global growth shocks threaten to push them lower. We break down each scenario and what it means for mortgage borrowers across the UK.
13 March 2026
What the Iran War Means for UK Mortgage Rates: A Borrower's Guide
Global conflict can feel far removed from your monthly mortgage payment, but the economic chain reaction is very real. This guide explains exactly how events in Iran filter through oil markets, inflation, and swap rates to affect the deal you could get on your next mortgage.
10 March 2026
Should You Fix Your Mortgage Now or Wait? How to Decide in a Rising Rate Market
With mortgage rates shifting, deciding whether to fix now or wait is one of the biggest financial calls you can make. This guide walks you through a clear decision framework — from rate forecasts and product fees to early repayment charges — so you can act with confidence.
6 March 2026