Following significant changes introduced in April 2025, Stamp Duty Land Tax thresholds in England and Northern Ireland have shifted , affecting first-time buyers, home movers, and property investors alike. Here is everything you need to know before you buy.
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The Bank of England has kept interest rates at 3.75% as inflation remains above target and global tensions create uncertainty. Earlier expectations of rate cuts in 2026 have weakened, with some experts now suggesting rates could stay the same or even rise. Changes in interest rates continue to affect mortgages, loans, and savings, with many households facing higher borrowing costs.
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The UK housing market is showing tentative signs of recovery, with improving buyer enquiries, sales activity, and growing optimism for the year ahead. However, short-term conditions remain subdued, and any sustained recovery is expected to be gradual and dependent on mortgage rates and broader economic confidence.
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Autumn Budget 2025: key changes for home buyers & sellers, remortgages, cash ISAs (new £12k limit from 2027), savings tax rise, Triple Lock pension boost and inheritance tax rules explained
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“House burping” inspired by the German practice StoBluften is a quick way to stop mould, damp and musty smells during winter. Instead of leaving windows ajar all day, you open several windows and doors wide for 5 -10 minutes to create a cross-breeze. This flushes out moisture-heavy air without cooling down your home. Doing it once or twice a day, especially after showers, cooking, or drying clothes indoors, can help prevent condensation and keep your home fresh and cosy.
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The Bank of England has just reduced interest rates from 4.25% to 4%, marking the lowest level since March 2023. This decision will impact everything from your mortgage and savings to prices and pensions. Let’s break down what this actually means in real life.
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The UK Government is planning to ban upward-only rent reviews in new commercial leases across England and Wales under the proposed English Devolution and Community Empowerment Bill. This reform aims to revitalize town centres and reduce long-term retail vacancies by making commercial rents more flexible.Under the new rules, landlords can still use fixed, stepped, index-linked, turnover-based, or market-reviewed rents provided the reviews allow both upward and downward adjustments. Existing leases with upward-only clauses will remain valid until they expire.While the move is intended to boost local economies, it has raised concerns among landlords, investors, and property professionals, particularly regarding the impact on property values and investment confidence. The proposal is expected to be debated in Parliament later this year.
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The Energy Performance Certificate (EPC) system will undergo major changes in mid-June with the adoption of an updated RdSAP method. These changes aim to improve accuracy, especially for flats and mid-terrace properties, and will place a stronger emphasis on documented proof of energy-saving improvements. Landlords and agents should prepare by gathering detailed records to avoid lower EPC scores.
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UK mortgage lending hit a four-year high in March 2025 as buyers rushed to complete purchases before a stamp duty rise on 1 April. While borrowing spiked by 290%, new mortgage approvals fell for the third straight month, indicating potential cooling in future market activity. Lenders are now cutting rates and loosening criteria amid expectations of a Bank of England rate cut.
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The Bank of England has kept its base interest rate at 4.5%, choosing a cautious approach amid slow economic growth and rising inflation. After a small rate cut in February, the Bank is pausing further changes as it monitors both domestic and global economic conditions. Inflation reached 3% in January and may rise further, while GDP shrank slightly and wage growth remains high. Although more rate cuts are expected later this year, the Bank isn’t ready to act until inflation shows clearer signs of stabilizing.
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