Property & Landlords

Fleximize Review 2026: Transparent Rates and No Personal Guarantee on Some Products

Fleximize (FCA FRN 669275) publishes rate examples and a loan calculator before you apply, and offers revolving credit and unsecured loans without a personal guarantee on qualifying facilities. Independent review for UK SMEs.

19 Jun 2026 · 5 min read

Private School VAT 2026: What Parents Need to Know About Fees and the 20% Charge

The 20% VAT charge on private school fees took effect in January 2025 following the government's removal of the VAT exemption. As Education Secretary Bridget Phillipson defends the policy, here is what parents paying independent school fees need to know about the financial impact.

19 Jun 2026 · 2 min read

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.

19 Jun 2026 · 3 min read

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.

19 Jun 2026 · 3 min read

Landlord Liability Insurance UK: Property Owners Liability Cover Explained

Landlord liability insurance covers claims from tenants and visitors who are injured or suffer property damage due to a defect the landlord is responsible for. This guide explains what landlord liability covers, what the Defective Premises Act requires, and how much it costs in the UK.

19 Jun 2026 · 5 min read

Holiday Let Insurance UK: Cover for Short-Term Rental Properties

Holiday let insurance covers properties rented to short-term holiday guests. This guide explains how holiday let insurance differs from standard landlord insurance, what loss of income cover provides, and how much holiday let insurance costs in the UK.

19 Jun 2026 · 4 min read

Commercial Landlord Insurance UK: Cover for Non-Residential Property Owners

Commercial landlord insurance covers owners of office, retail, industrial, and mixed-use property against building damage, loss of rent, and liability. This guide explains what commercial landlord insurance covers, what exclusions apply, and how much it costs in the UK.

19 Jun 2026 · 5 min read

Stamp Duty on Commercial Property UK: SDLT Rates and Thresholds for 2026

Commercial property stamp duty (SDLT) applies to the purchase of non-residential and mixed-use property in England and Northern Ireland. This guide explains the 2026 rates, how the tax is calculated on a slice basis, mixed-use property treatment, and SDLT on commercial leases.

18 Jun 2026 · 5 min read

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.

18 Jun 2026 · 3 min read

UK Parents Supporting Children to Age 26: How to Protect Your Own Finances While Helping

UK parents expect to financially support their children until age 26, with only 9 percent believing their children will be self-sufficient by 21, according to an M&G survey. A quarter of parents plan to help with a home deposit, forcing many to adjust their own retirement planning.

18 Jun 2026 · 3 min read

UK Construction Administration Wave 2026: Zentia Agetur and What Employees and Creditors Should Do

Zentia, an acoustic ceiling manufacturer, has entered administration with 170 jobs lost, while Agetur, a groundworks contractor founded in 1985, has filed a notice of intention to appoint administrators. Construction accounts for 10 percent of all UK administrations in 2026.

18 Jun 2026 · 3 min read

Scottish Mortgage Investment Trust: What It Is, What It Holds and How to Buy

Scottish Mortgage is one of the UK's largest investment trusts, managed by Baillie Gifford. It invests in global growth companies including private equity holdings. It trades on the London Stock Exchange under the ticker SMT.

16 Jun 2026 · 6 min read

UK Property Market 2026: What the Slowdown Means for Buyers, Sellers, and Landlords

ONS HPI and RICS data point to a slowing UK housing market in mid-2026. Higher mortgage rates remain the primary constraint. Here is what the evidence says and what it means for buyers, sellers, and landlords.

16 Jun 2026 · 3 min read

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

15 Jun 2026 · 5 min read

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

15 Jun 2026 · 5 min read

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

15 Jun 2026 · 4 min read

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

15 Jun 2026 · 5 min read

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

10 Jul 2026 · 4 min read

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

10 Jul 2026 · 4 min read

UK School Enrichment Activities Funding: What Parents and Schools Need to Know

The government has announced funding for school enrichment activities. This guide covers what the scheme provides, which schools and pupils are eligible, and how to access support.

15 Jun 2026 · 3 min read

MEES Regulations for Commercial Property: EPC Minimum Standards Explained

MEES: E minimum EPC for commercial lets from April 2023. F and G prohibited. Penalties up to PS150,000. Exemptions and proposed B by 2030 explained. June 2026.

14 Jun 2026 · 4 min read

EPC Regulations for Landlords: Minimum Standards and MEES Explained

MEES Regulations: minimum E EPC rating for rented property. C rating upgrade scrapped September 2023. Penalties, exemptions and how to get a new EPC explained.

14 Jun 2026 · 4 min read

Mortgage Early Repayment Charges: FCA Rules and Your Rights Explained

Mortgage ERCs are 1-5% of your balance. MCOB 5 requires disclosure in your ESIS. How ERCs work, annual overpayment allowances and FOS challenge rights explained.

14 Jun 2026 · 3 min read

Mortgage Prisoners: FCA MCOB 11.9 Rules and Your Rights Explained

Mortgage prisoners cannot remortgage despite paying on time. FCA MCOB 11.9 modified rules June 2022 -- eligibility, participating lenders and where to get support.

14 Jun 2026 · 3 min read

MCOB 5: What Must a Mortgage Illustration (ESIS) Contain?

MCOB 5 requires a personalised mortgage illustration in ESIS format before you are bound. What it must contain and how to use APR to compare lenders.

14 Jun 2026 · 3 min read

MCOB 13: What Your Mortgage Lender Must Do If You Miss a Payment

MCOB 13 requires lenders to treat mortgage arrears fairly -- repossession is a last resort. FCA rules on payment arrangements, debt advice referral and Pre-Action Protocol.

14 Jun 2026 · 3 min read

MCOB 11: What Affordability Checks Must a Mortgage Lender Do?

MCOB 11 requires mortgage lenders to verify income, assess all expenditure and stress test repayments before approving a mortgage. Plain English explanation of FCA rules.

14 Jun 2026 · 4 min read

MCOB 2: Can Your Mortgage Lender Force You to Use Their Buildings Insurance?

MCOB 2.6A prohibits mortgage lenders from forcing you to use their buildings insurance. Plain English explanation of your rights and how to arrange your own cover.

14 Jun 2026 · 4 min read

Second Home Insurance UK 2026 - Protecting a Holiday Property or Investment

A standard home policy restricts cover when a property sits empty. This guide explains second home insurance: how it differs from primary-home and holiday-let cover, the unoccupancy clauses that decide claims, plus the council tax premium and Stamp Duty rules a second owner faces.

17 Jun 2026 · 19 min read

Unoccupied Property Insurance UK 2026 - Cover for Empty Homes Explained

An independent 2026 guide to unoccupied property insurance in the UK: why standard home cover restricts or voids after a property is left empty, the common triggers from probate to renovation, how the specialist market works, and the disclosure duty that protects empty-home claims.

15 Jun 2026 · 17 min read