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Every six weeks or so, all eyes are on the Bank of England and its Monetary Policy Committee (MPC) – the group that decides whether interest rates will be increased, held or cut. How they choose to act has an impact on how much it costs banks to borrow money and what rates they can offer to savers and borrowers. With all this in mind, what does an interest rate cut actually mean for mortgage holders and for those weighing up their options as they come to buy or move? Will my

Interest-only and part-and-part mortgages have historically been approached cautiously due to repayment concerns. While that caution was understandable after the financial crisis, it has also limited flexibility for borrowers who could manage these products responsibly. However, the Financial Conduct Authority (FCA) recognises these products can be appropriate in certain circumstances and is reviewing how lenders assess them throughout 2026/27.   Why change is needed Today’s

Buying your first home has become increasingly challenging. Deposits are harder to save for, borrowing power hasn’t always kept pace with property prices and affordability rules can feel restrictive. The FCA review recognises this and is exploring rule changes in 2026/27 designed to make the market more accessible for responsible first‑time buyers.   Why change is needed House prices have grown faster than incomes, making saving and borrowing harder. Meanwhile, lenders have r

You’ve entered new chapters of your life, now its time to make sure your financial future reflects them. Life changes bring new opportunities and responsibilities. Planning ahead is key. 🏡Buying a bigger home? Make sure your mortgage and budget aligns with your long-term goals. ☂️Protecting loved ones? Explore life insurance and financial safeguards that give peace of mind. 💷Thinking about the future? Consider investments and savings plans that grow with your ambitions. You