Our mortgage expert Sam Fox, founder of UKMC, explains why first-time buyers should look beyond their existing bank when searching for a mortgage. First-time buyers could be missing out on mortgages better suited to their circumstances by limiting their search to their existing bank.

Mortgage holidays can offer valuable breathing space, but those taking one need to understand the true cost, a leading mortgage expert has warned. A mortgage holiday can be a genuinely useful tool for the right circumstances, so long as borrowers go in with a clear picture of how the debt, and the interest it accrues, will be repaid afterwards.

Property expert Sam Fox, founder of the UK Mortgage Centre, says a new wave of rate cuts is likely before the end of June, driven by falling funding costs, intensifying competition between lenders and the start of the busy summer moving season. However, he is urging borrowers not to let optimism tip into complacency.

Mortgage rates have moved higher again this spring, with the average two and five-year fixed deals now sitting at around 5.3 to 5.4 per cent, as lenders respond to a more volatile market. After a relatively stable start to the year, recent weeks have seen a clear shift.

As the clock ticks down to the end of the year, many will soon be making resolutions to kick-start their 2026. Some will focus on keeping fit, living a little healthier and taking up a new hobby. Yet for others their New Year vows will be a little closer to home - owning one to be precise.

Instant access cash ISA bonus rates are on the increase putting savers at risk of losing out once the bonuses expire, new analysis for Investec Save shows. The analysis - conducted by Andrew Hagger of Moneycomms for Investec Save - found that five of the top 10 paying instant access cash ISAs rely on bonus rates rising to nine of the top 25 and 12 of the top 50.

Shared ownership is proving a great way for many people to get on the property ladder. And with an estimated 250,000 people now using the Government-backed scheme, rising numbers are expected to now attempt to buy a home this way.

Our personal finance and consumer expert has revealed how she turned her finances around and became an expert saver after starting off as a self-confessed “spendaholic”.

With summer in full swing, Brits are being urged to keep a closer eye on their finances, as credit reference agency Equifax UK reveals a rise in debt levels and warns on the heightened risk of travel-related scams. Equifax is warning consumers to avoid financial overstretch and stay alert to holiday fraud, amid the typical summer spending surge.

A property expert today offers his advice to first time buyers looking to get a foot on the housing ladder. Research has shown that 67% of borrowers purchasing property in 2024 were first-time buyers. And data released this week revealed first-time buyers are borrowing through mortgages that last an average of 31 years as the affordability of homes remains a stretch.

Resolutions don’t just need to take shape in the form of eating healthier or drinking less — they can also apply to your spending habits. Assessing your finances in January isn’t just about balancing the books — it’s your chance to reset, recover from holiday splurges and set goals to save big.

Nearly all UK farmers see their current farm as funding part of their future “pension”. More than four in five (86%) UK farmers have over 50% of their wealth tied up in their farm.