Key changes in the housing market
November’s Budget may feel distant, but key changes are on the way for landlords, high value homeowners and first-time buyers. From rising rental income tax to the end of the Lifetime ISA and a new high-value property surcharge, here’s what to be aware of in 2026
House prices – what to expect in 2026 and beyond
What does Savills’ latest five-year forecast show for UK house-price growth? Northern regions are set to outperform, while London lags. Buyers, movers and investors will each face very different market conditions in the years ahead.
Residential Property Market Review – January 2026
Commercial property 2026: offices lead, AI drives data centres, retail rebounds, hotels set for stronger year.
Property Review – January 2026
Property 2026: offices and AI-driven data centres lead a commercial rebound as housing prices rise, FTB choice improves and regional growth diverges.
Commercial Property Market Review – January 2026
Commercial property 2026: offices lead, AI drives data centres, retail rebounds, hotels set for stronger year.
40-year mortgages offer lifeline to FTBs
More than six in 10 would-be FTBs said that affording the mortgage payments was a significant obstacle to buying a home. A 40-year mortgage could cut monthly payments by hundreds, making it easier to get on the ladder. Just remember: longer terms can mean more interest overall.
Moving house? Don’t forget the protection review
Research shows 32% of policyholders never update their cover after moving, leaving potential gaps. Life changes—like a new home or mortgage—mean it’s time to check Life Insurance, Income Protection, and Critical Illness Cover. Make sure you don’t leave gaps in your protection.
Monthly payments increase home insurance cost by a third
New research suggests that the extra cost associated with paying monthly can be as high as 33%. It makes a big difference as to whether you pay for home insurance cover monthly or annually. The research also found that the timing of the renewal can make a major difference to the total cost.
Is your fixed rate coming to an end?
Over 350,000 UK households will face higher payments this winter as low-rate deals from 2020–2023 end. With the Autumn Budget on 26 Nov, now’s the time to review your mortgage options. Early planning can save you thousands.
Mortgage Guarantee Scheme made permanent
The Mortgage Guarantee Scheme aims to sustain availability of high LTV mortgages by incentivising lenders with government-backed guarantees. First-time buyers and home-movers across the UK can benefit, but professional advice is essential to help you choose the right deal.