Mortgage News & Insights
The latest mortgage news, rate changes, and expert advice
UK Housing Affordability in 2026: Why It's Harder Than Ever and What You Can Do
The UK housing affordability crisis has never been more acute, with structural forces from interest rates to planning failures locking out a generation of first-time buyers. This guide breaks down why it's so hard — and the practical broker-led strategies and government schemes that can still get you on the ladder in 2026.
3 March 2026
The True Cost of Owning a Home in the UK: How Housing Costs Have Risen 41% in Five Years
New data from the Guardian and ONS reveals UK housing costs have surged 41% in just five years, squeezing homeowners from every direction. We break down exactly where the money goes — and the practical steps you can take to claw some of it back.
27 February 2026
Why Are Mortgage Rates Going Up When the Base Rate Hasn't Changed?
If the Bank of England base rate hasn't moved, why are your mortgage deals getting more expensive? We break down the hidden forces — from gilt yields to swap rates — that really drive what lenders charge you.
24 February 2026
Is Buy-to-Let Still Worth It in 2026? The Numbers Behind the Decision
With mortgage rates still elevated and tax rules tightened, many landlords are questioning whether buy-to-let still stacks up in 2026. We run the numbers on yields, structures, and regional hotspots to help you decide.
20 February 2026
Bank of England Base Rate vs Your Mortgage Rate: Why They're Not the Same Thing
When the Bank of England moves the base rate, your mortgage rate doesn't simply follow suit — and understanding why could save you thousands. This explainer breaks down the real mechanics behind mortgage pricing, from swap rates to lender margins.
17 February 2026