Insights and guides

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. 

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You are now departing from the regulatory site of Mortgage Options.

Neither Mortgage Options Nor Quilter Financial Planning are responsible for the accuracy of the information contained within the linked site.

You are now departing from the regulatory site of Mortgage Options.

Neither Mortgage Options Nor Quilter Financial Planning are responsible for the accuracy of the information contained within the linked site.

You are now departing from the regulatory site of Mortgage Options.

Neither Mortgage Options Nor Quilter Financial Planning are responsible for the accuracy of the information contained within the linked site.

You are now departing from the regulatory site of Mortgage Options.

Neither Mortgage Options Nor Quilter Financial Planning are responsible for the accuracy of the information contained within the linked site.

You are now departing from the regulatory site of Mortgage Options.

Neither Mortgage Options Nor Quilter Financial Planning are responsible for the accuracy of the information contained within the linked site.