FCA: Mortgage Rule Reform Is About Better Outcomes, Not Relaxing Standards
FCA frames mortgage reform as better outcomes under Consumer Duty. Creditworthy borrowers currently excluded. Responsible lending rules remain in force.
FCA Proposes Mortgage Affordability Rule Reform to Help More Buyers Access Finance
FCA consults on mortgage affordability reforms to help first-time buyers and self-employed. Stress test rules under review. Changes are not yet in force.
Before You Take a Fixed Rate Mortgage: What Happens When It Ends
A fixed rate mortgage locks your interest rate but automatically reverts to the SVR at the end of the fix.
Before You Take a Second Charge Mortgage: Risks and Regulated Alternatives
A second charge mortgage puts your home at risk and ranks behind your existing mortgage. Rates are higher than first charge mortgages.
Before You Port Your Mortgage: What Your Lender Will Not Tell You
Porting transfers your existing mortgage rate to a new property but requires lender approval and a new affordability check.
Before You Use a Mortgage Broker: How They Are Paid and What to Ask
Mortgage brokers must be FCA-authorised and disclose how they are paid. Procuration fees from lenders can create conflicts of interest.
Before You Overpay Your Mortgage: Limits, Fees and Smarter Alternatives
Most mortgages allow 10% overpayment per year free of charge. Exceeding this triggers ERCs.
Before You Miss a Mortgage Payment: What Lenders Can and Cannot Do
Missing a mortgage payment is recorded on your credit file and triggers a formal arrears process. FCA rules require lenders to consider forbearance first.
Before You Extend Your Mortgage Term: The True Long-Term Cost
Extending a mortgage term reduces monthly payments but substantially increases total interest paid.
Before You Take a Buy-to-Let Mortgage: Tax, Stress Tests and Voids
Buy-to-let mortgages are assessed on rental income stress tests and Section 24 has fundamentally changed the tax treatment for higher-rate taxpayers.
Before You Remortgage: Fees, Traps and When It Does Not Pay
Remortgaging can reduce payments but early repayment charges and arrangement fees often eliminate savings.
Right to Buy UK: How the Scheme Works and the 2026 Reforms
Right to Buy reformed April 2026: minimum eligibility raised from 3 to 10 years; max discount cut from 70% to 15%; new homes exempt for 35 years. 7,494 sales in 2024-25, 3,593 replacements. Over 2,036,848 sold since 1980. MHCLG source.
UK Mortgage Lending Statistics 2026: FCA MLAR Data on Advances, Arrears and Possessions
£1,746.1 billion in outstanding UK mortgage loans -- a record. Gross advances £69.6bn in Q1 2026. Arrears at £20.1bn, lowest since Q3 2023. 2,216 new possessions. First-time buyer share fell to 27.4%. Source: FCA/BoE MLAR Q1 2026, published 9 June 2026.
UK Personal Finance Statistics: Mortgages, Savings, Energy and Banking 2026
UK personal finance statistics 2026: BoE mortgage data, HMRC ISA figures, FCA investment platform users, Ofgem energy cap, open banking growth and SME population. All primary sources.
Remortgage Deals UK: Compare Rates and Switch in 2026
How to remortgage in 2026: current rates, the 1.8 million expiring fixed deals, product transfer vs full remortgage, and the cost of rolling onto SVR.
Bank of England Holds Base Rate at 3.75% in June 2026 - What It Means for Mortgages
The Bank of England Monetary Policy Committee voted 8-1 to hold Bank Rate at 3.75% on 18 June 2026. One member voted for a rise to 4%. Inflation remains at 2.8% and the outlook for rate cuts in 2026 remains uncertain.
Barclays Cuts Mortgage Rates by Up to 37 Basis Points From 19 June 2026
Barclays has reduced residential mortgage rates across two-, three- and five-year fixed products effective 19 June 2026, with some cuts reaching 37 basis points. Yorkshire Building Society has also moved on selected rates.
UK Inflation Holds at 2.8 Percent in May 2026: What It Means for Energy Bills Food Prices and Mortgages
UK CPI inflation held at 2.8 percent in the year to May 2026, unchanged from April and below the 3 percent many economists expected. Food price rises slowed to a 17-month low while transport costs rose at the fastest rate. The OECD projects UK CPI reaching 4 percent in 2026.
Using Habito to remortgage in 2026: process, timing and what to expect
KAEL TRIPTON - PRODUCT GUIDE Habito remortgage guide 2026 FRN 745513FCA authorised Free serviceNo broker fee Switch or stayBoth options assessed 4-8
Using Habito as a first-time buyer: a complete 2026 guide
KAEL TRIPTON - PRODUCT GUIDE Habito for first-time buyers 2026 FRN 745513FCA authorised Free serviceNo broker fee 90+ lendersPanel access Digital-firstOnline
Habito vs London and Country 2026: which online mortgage broker is better?
KAEL TRIPTON - COMPARISON Habito vs London and Country 2026 Habito: 67KT Score L&C: 72KT Score Both: free serviceNo borrower fee
Habito One mortgage review 2026: is a 40-year fix worth it?
KAEL TRIPTON - PRODUCT REVIEW Habito One mortgage review 2026 FRN 745513FCA authorised 10-40 yearsFix term range Own lenderNot a broker product
Habito mortgage broker review 2026 — KT Score, Habito One and lender panel
KAEL TRIPTON - BRAND REVIEW Habito mortgage broker review 2026 67/100KT Score FRN 714187FCA authorised 90+ lendersPanel size Free serviceNo broker fee
Habito review 2026 — online mortgage broker and Habito One explained
KAEL TRIPTON - BRAND PROFILE Habito 67/100KT Score FCA FRN 714187Reg. number Est. 2016Founded London, UKHQ LAST REVIEWED: JUNE 2026 Habito scores
New-Build House Price Discounts UK 2026: How Much Are Builders Cutting, and What It Means for Buyers
Vistry has cut some new-build prices by up to 17 percent in 2026, with an average discount of 8.4 percent across 1,273 homes, as a flat market and higher mortgage rates squeeze developers. What the ONS and Bank of England data show, and what it means for buyers.
Perenna Mortgage 2026 Review
Perenna Mortgage explained for 2026: how it works, FSCS cover, eligibility and how it compares across the UK market.
Nationwide Building Society Mortgage Rate Cut 2026 Review
Nationwide Building Society Mortgage Rate Cut explained for 2026: how it works, FSCS cover, eligibility and how it compares across the UK market.
Halifax Mortgage Calculator 2026 Review
Halifax Mortgage Calculator explained for 2026: how it works, the regulatory position, eligibility and how it compares across the UK market.
Ecology Building Society Mortgage 2026 Review
Ecology Building Society Mortgage explained for 2026: how it works, FSCS cover, eligibility and how it compares across the UK market.
Chelsea Building Society Mortgage 2026 Review
Chelsea Building Society Mortgage explained for 2026: how it works, FSCS cover, eligibility and how it compares across the UK market.