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 Homelessness Statistics: Temporary Accommodation and Rough Sleeping Data
132,410 households in temporary accommodation in England (Jun 2025, record high). 172,420 children. 8,732 rough sleeping. Shelter estimates 382,618 total homeless (1 in 153). MHCLG primary data. Updated quarterly.
UK Housebuilding Statistics: Net Additional Dwellings Data
England added 208,600 net additional dwellings in 2024-25, down 6% and 91,400 below the 300,000/year target. Third consecutive fall. MHCLG National Statistics. Updated annually.
Why Are Rents So High in the UK?
Average UK private rent 1,383 pounds/month in May 2026, up 3.3%. North East fastest at 5.9%. Driven by constrained supply and first-time buyers locked out of ownership. ONS PIPR data. Updated monthly.
UK House Price Statistics: Property Prices and Rent Data
UK average house price 270,000 pounds (+3.8%) in April 2026. Average rent 1,383/mo (+3.3%). BoE base rate 3.75%. 63,531 mortgage approvals (Mar 2026). ONS data updated monthly.
School Closures in the June 2026 Heatwave: Parents' Rights, Emergency Childcare and the Legal Framework Explained
Schools closed across England on 24-25 June 2026 during the Met Office red heat alert. Headteachers decide closures, not central government. Parents have a right to unpaid emergency time off but no right to paid leave. Legal framework, childcare options and employer duties explained.
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 House Prices by Region 2026: Land Registry Data and Trends
Average UK house price £270,080 in April 2026, up 3.8% year-on-year. North East grew fastest at +9.9%. London fell 2.1%. London average £542,000 vs North East £162,000. Source: HM Land Registry / ONS UK HPI, June 2026.
UK Mortgage Rates and Household Debt Statistics 2026
Average two-year fixed mortgage rate 4.81% in May 2026. SVR 6.60%. Household debt at 117.5% of disposable income. Individual insolvencies up 20.4% year-on-year in Q1 2026. Sources: Bank of England, Insolvency Service, House of Commons Library.
UK EPC Ratings Data 2026: Energy Efficiency of Homes by Region
Charts and data on UK EPC ratings: average bands by region, national distribution, new vs existing homes trend, and the 2030 rental Band C deadline. Sources: ONS, MHCLG Q1 2026.
Homebuying Process Reforms UK: What the Government's New Proposals Mean for Buyers and Sellers
The government announced on 19 June 2026 a package of homebuying reforms including mandatory seller sales packs, earlier binding agreements, a new Code of Practice for estate agents and a shift to digital tools. The changes could cut buying times by four weeks and save first-time buyers an average o
Tenants Contents Insurance UK: What Renters Need to Cover
Tenants Contents Insurance UK: What Renters Need to Cover
Rent Guarantee Insurance UK: How It Works and FCA Regulation
Rent Guarantee Insurance UK: How It Works and FCA Regulation
Landlord Insurance vs Home Insurance UK: Key Differences
Landlord Insurance vs Home Insurance UK: Key Differences
Landlord Insurance UK: Buildings, Contents, Liability and Loss of Rent Explained
Landlord Insurance UK: Buildings, Contents, Liability and Loss of Rent Explained
Learner Driver Insurance on Parents Car UK Explained
Learner Driver Insurance on Parents Car UK Explained
Mortgage Rate Forecast UK 2026-2027: Fixed and Variable Rate Outlook
TL;DR Two-year fixed rate mortgages are priced at approximately 4.5-5.0% with major UK lenders as of June
Council Tax After You Graduate: UK 2026 Guide
What happens to council tax when you stop being a student: when the student exemption ends, the single person discount, and who is liable.
Getting Your Tenancy Deposit Back in the UK 2026
How to get your deposit back when you move out of a UK rental: deposit protection schemes, fair wear and tear, the check-out process and disputes.
Contents Insurance for Renters UK 2026: What It Covers and What to Check
How contents insurance works for UK renters: what it covers, the difference from buildings insurance, and how to value your belongings correctly.
Tenant Energy Rights and Responsibilities in the UK 2026
Your energy rights as a UK tenant: whether you can switch supplier, what landlords can and cannot do, and the rules on resold energy.
Universal Credit When Your Child Goes to University: What Parents Need to Report
When a child starts full-time university, the child element of Universal Credit stops. What changes, what to report to DWP, and how housing and work requirements are affected.
Maintenance Loan Calculator UK 2025/26: Amounts, Thresholds and Repayment
Use the calculator to estimate your child s maintenance loan for 2025/26. Amounts by living situation, income thresholds and repayment after graduation explained.
Student Finance Parental Contribution UK 2026: What Parents Need to Know
How household income affects your child s maintenance loan, the government expectation on parental contribution, and how to apply for reassessment if income changes.
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.