Some of these articles might be useful. Others might just pass the time while your kettle boils. Either way, don’t take financial advice from a bloke with a blog — speak to someone qualified (ideally with insurance… and a desk).
June 30, 2025
The FCA is reviewing UK mortgage rules to improve access for first-time buyers, older borrowers, and the self-employed. Key topics include lending flexibility, affordability checks, and later-life borrowing. Change may be coming—slowly.
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June 14, 2025
Landlords must upgrade rental properties to EPC C by 2025 for new tenancies and 2028 for all. Learn what the rules mean, how to improve your rating, estimated costs, and why acting now avoids fines, vacancies, and rushed, expensive upgrades.
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March 8, 2025
LAFRA is beginning to generate a lot of discussion in all parts of the industry, and support for it seems to be turning to opposition from what I am seeing. Some of the reasons are justified.
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May 27, 2023
I have written previously around the maximum age it is possible to have a mortgage. some lenders are more flexible than others but the Financial Ombudsman Service has published more information that is telling lenders to be flexible.
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November 9, 2022
The Financial Conduct Authority is introducing new regulations in July 2023 called Consumer Duty. It is said to be one of the biggest shake-ups in regulation for over a decade.
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March 7, 2022
Following the financial crisis, stricter affordability requirements for mortgages were introduced. The changes introduced in 2014 made it significantly more difficult for borrowers to obtain a mortgage, those that could often weren't able to buy a house in the price range they wanted. The BoE is now considering changes.
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