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Guides and updates

Plain English explanations of the things that come up most often, written by the people who deal with them every day.

Three generations of a family together in a living room

First time buyers14 min read

Buying your first home in 2026: the whole process, start to finish

From working out what you can borrow to picking up the keys. A plain English walk through every stage, what happens when, and the points where things typically slow down.

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A couple reviewing mortgage options on a laptop in their kitchen

First time buyers8 min read

What a lender actually looks at on your bank statements

Three months of spending tells an underwriter more than your payslip does. Here is what stands out, what does not matter, and what to tidy up before you apply.

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A couple looking at remortgage options together at home

Remortgaging6 min read

Your fixed rate ends this year. Start here.

Most people lose money in the gap between a fixed rate ending and a new one starting. A short guide to the timeline and when to begin.

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A row of red brick Victorian terraced houses

Market updates7 min read

Stamp duty across England, Scotland and Wales

Three different taxes, three sets of thresholds, and one very common mistake. What you pay depends on where the property is, not where you live.

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A to let board outside a row of houses

Buy to let9 min read

Rental stress testing, explained without the jargon

Why a property that looks affordable on paper can still fail a lender's calculation, and what changes the answer.

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A couple talking together in their kitchen

Protection10 min read

Critical illness cover: why the wording matters more than the premium

Two policies at the same monthly cost can define the same condition very differently. How to read the difference.

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A set of house keys beside a model home

First time buyers5 min read

Deposit gifts from family: what your lender will ask for

Gifted deposits are common and entirely acceptable, but the paperwork catches people out. What to prepare in advance.

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If something here applies to you, a short call will tell you how it applies to your circumstances specifically.