News, insights and practical guides
Commentary, news and practical guides from Nexpad – covering UK mortgages, remortgaging, buy-to-let, home insurance and personal protection, alongside wider news stories that may be relevant to homeowners, buyers, landlords and tenants. Articles are for general guidance and are not a substitute for regulated advice tailored to your circumstances.
What the proposed mortgage rule changes could mean for you
The rules around getting a mortgage could change if new proposals from the Financial Conduct Authority are approved. The Financial Conduct Authority, also known as the FCA, regulates the UK...
Read article
A major change could be coming to the way we buy and sell homes
Buying or selling a home should be one of life’s exciting milestones. Too often, however, it becomes one of the most stressful. A buyer finds a property, agrees a price,...
Read article
Heatwaves, home insurance and protecting your property during extreme hot weather
When the UK experiences a heatwave, most of the attention understandably turns to health, hydration and staying cool. That should always come first. Hot weather can affect everyone, particularly older...
Read article
Some mortgage rates have been reduced. Is it time to review your options?
There have been encouraging signs in the mortgage market recently, with a number of lenders reducing selected mortgage rates. This does not mean that every mortgage rate has fallen, or...
Read article
Is your mortgage deal ending this year or in early 2027? Why reviewing early could save you money
If your mortgage deal ends later this year, or in early January 2027, now could be the time to start looking at your options. For many homeowners, the mortgage is...
Read article
Flight cancellation fears this summer: will travel insurance actually protect your holiday?
With the summer holiday season approaching, many households will already be counting down to flights, hotels, package holidays and long-awaited breaks abroad. But this year, travellers have another reason to...
Read article
Selling your home this summer? Five things sellers need to know as buyers get more choice
If you are thinking about selling your home this summer, the market may look encouraging at first glance. Asking prices have been holding up, homes are still selling, and many...
Read article
Heatwave home insurance warning: The summer risks that could leave homeowners facing a costly surprise
Britain’s record-breaking May heatwave has sent families into gardens, parks and beaches, with barbecues lit, patio doors left open and garden furniture brought out for the summer. But while the...
Read article
Has your life changed since you last reviewed your protection needs?
Your mortgage is likely to be one of your biggest financial commitments, but it is easy to forget that your wider protection needs can change over time. If you arranged...
Read article
Mortgage deal ending in 2026? Now is the time to review your options
If your current mortgage deal is due to end this year, it is worth reviewing your options sooner rather than later. Across the UK, many homeowners are expected to reach...
Read article
Landlords must send the new Renters’ Rights information sheet to tenants by 31 May 2026
Landlords in England should check whether they need to send tenants the new Renters’ Rights Act Information Sheet 2026. From 1 May 2026, the first phase of the Renters’ Rights...
Read article
Thinking about home improvements? Speak to your mortgage adviser before borrowing more
As spring arrives, many people start thinking about making changes to their home. Longer days and better weather can make it a natural time to plan improvements, whether that means...
Read article
What’s happening in the mortgage market right now?
The UK mortgage market has experienced a significant shift in March 2026, with the outlook changing dramatically in just a matter of weeks. The recent turnaround In early March, lenders...
Read article
Landlords, are you ready for the new rental rules coming into force on 1st May?
If you are a landlord, this spring is an important time to get up to date with the changes coming to the private rented sector in England. From 1 May...
Read article
Making Tax Digital is almost here. What self-employed people and landlords should know
What is changing? Making Tax Digital for Income Tax is an important change that some people may need to prepare for now. From 6 April 2026, it becomes mandatory for...
Read article
Mortgage rates are back in the headlines. If your deal ends in 2026, review your options early
Mortgage rates are back in the headlines, and if your current deal ends in 2026, this is a sensible time to review your options. Over recent days, lenders have repriced...
Read article
Page not found – Nexpad
…
Read article
Selling in Spring 2026? A practical checklist to get your home and your move ready
If you are thinking about selling this spring, now is the moment to get organised. Spring often brings more buyers back into the market, but it also brings more competing...
Read article
Could your household cope if your payslip stopped? A mortgage reality check
If illness or injury stopped you working, even for a few months, what would happen to the mortgage? Most households have never had to test that scenario, and that is...
Read article
Mortgage rates are easing. Here’s what that actually means for homeowners and buyers
After a prolonged period of higher borrowing costs, there are early signs of relief for mortgage holders. Rates are not returning to the historic lows of the 2010s, but the...
Read article
The 2026 Homeowner Check-Up. Four Things Worth Reviewing This Year
Once you own a home, it is easy to put everything on autopilot. Your mortgage ticks along, insurance renews automatically and paperwork stays filed away. But over time, small details...
Read article
House Prices Set for a Gentle Rise in 2026. What It Means for You
After a few uncertain years for the housing market, there may be some steadier news for homeowners According to new figures from Rightmove, UK house prices are expected to rise...
Read article
The Home Insurance Detail Many Homeowners Miss. Could It Cost You Thousands?
Mortgage brokers regularly speak to clients who are focused on the obvious household costs: mortgage payments, energy bills, council tax. Home insurance often gets treated as a simple renewal. The...
Read article
Is Your Mortgage Deal Ending This Year? Here’s What You Need to Know.
If you took out a two, three or five-year fixed mortgage a few years ago, 2026 could be an important year for you. Around 1.8 million homeowners are coming to...
Read article
A Guide to the Autumn Budget 2025
Chancellor Rachel Reeves has delivered her 2025 Autumn Budget, the first major fiscal statement of the year for this Labour government. We wanted to provide you with an overview of...
Read article
Common Bank Statement Mistakes That Could Delay Your Mortgage
Applying for a mortgage is exciting, but it often involves more scrutiny than people expect. One of the first things a lender looks at is your bank statements. They give...
Read article
How New Energy Efficiency Rules Could Affect UK Landlords and Tenants
The Government is preparing major changes to the energy efficiency requirements for rental properties across England and Wales. These proposals form part of a wider push to make homes warmer,...
Read article
Important Warning About Mortgage “Quick Fixes” Circulating Online This Christmas
As the Christmas period approaches and household budgets come under extra pressure, many homeowners start searching for ways to manage their outgoings. Recently, however, the Financial Conduct Authority (FCA) has...
Read article
Mortgage Product Transfer vs Remortgaging: Why Advice Can Make All the Difference
If your mortgage deal is coming to an end, your lender may already have contacted you with a new rate. It often looks simple. You log in, click a few...
Read article
End of No-Fault Evictions in Biggest Shake-Up to Renting Laws in a Generation
Renters and landlords are facing the biggest shake-up in housing law for more than thirty years after the Government’s Renters’ Rights Act officially became law. The legislation, which received Royal...
Read article