All issues.
One issue a month. No spam, no fluff — just the numbers and what they mean.
Burnham’s first conference speech as PM: what it means for buyers, homeowners, landlords and tenants
Leasehold reform before Christmas, a crackdown on the worst rented homes, the Your First Home 2.5% deposit scheme — and what it all means for your mortgage.
Read briefing → Issue 04 · September 2026The UK mortgage & housing market, in September
Swap rates surge above 4.7%, every major lender raises twice, CPI hits 3.1% — and three events in eight days (CPI, Budget, MPC) that could reshape the mortgage market.
Read issue → Guide · First time buyersFirst Time Buyer Guide 2026: how to buy your first home in the UK
Deposits, stamp duty relief, the 10-step buying process, real costs, government schemes and how to improve your chances of approval.
Read guide → Guide · Adverse creditPoor credit mortgages UK: how to get a mortgage with bad credit in 2026
What counts as bad credit, low scores, missed mortgage payments, how much deposit you need, real-world scenarios and how specialist brokers help.
Read guide → Base rate news · 17 September 2026Bank of England holds base rate at 3.75% — dissent holds firm at 6–3
A sixth hold of the year with the same 6–3 split — but more hawkish minutes, CPI up to 3.1%, and three years of Bank Rate vs swap rates charted side by side.
Read post → Issue 03 · August 2026The UK mortgage & housing market, in August
The biggest August asking-price drop in eight years, CPI back up to 2.9%, fixed rates stuck above 5% — and why 16–17 September is the most important 48 hours for UK mortgages.
Read issue → Issue 02 · July 2026The UK mortgage & housing market, in July
A new PM, Rayner back at Housing, the £4.5bn housebuilder class action filed, mortgage rates cut then hiked mid-month — and the most hawkish BoE split in three years.
Read issue → Base rate news · 30 July 2026Bank of England holds base rate at 3.75% — July decision
The MPC votes 6–3 to hold for a fifth time — three members now want a hike, making September a live meeting. Full rate history and what it means for your mortgage.
Read post → Guide · Borrowing & affordabilityHow much mortgage can I get on a £50,000 salary?
Income multiples, regional affordability, monthly repayments, joint applications and the routes to borrowing more than 4.5× — with clear numbers to work from.
Read guide → Base rate news · 19 June 2026Bank of England holds base rate at 3.75% — what it means for your mortgage
The MPC votes 7–2 to hold for a fourth time. The full 2-year rate history, what it means for fixed and tracker rates, and the outlook for 2026–27.
Read post → Issue 01 · June 2026The UK mortgage & housing market, in June
Bank Rate held at 3.75%, mortgage approvals fall 14.9%, the steepest June asking-price drop in 14 years — and housebuilders stage a mid-month rally.
Read issue →