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One issue a month. No spam, no fluff — just the numbers and what they mean.
Bank of England raises base rate to 4.00% — what it means for your mortgage
The first rise since August 2023, by an 8–1 vote. Why the MPC acted, what it means for tracker, SVR and fixed-rate borrowers, and the data to watch before 17 December.
Read post → Issue 05 · October 2026Mortgage rates hit 6% — the UK mortgage & housing market, in October
Average fixed rates hit 6%, the Autumn Budget for buyers and landlords, 98% LTV and 6× income products, a year of lender rate moves — and the 5 November MPC.
Read issue → Guide · Self-employedSelf-employed mortgages: the complete UK guide 2026
How lenders assess sole trader, contractor and director income, the documents you need, how much you can borrow and which lenders will consider you.
Read guide → Policy news · 29 September 2026Burnham’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.
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