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 the end of fixed-rate deals taken out in 2021, 2022 and 20231. As those deals expire, borrowers face a decision about what happens next and doing nothing may not always be the best outcome.
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 can drift out of line with your circumstances, sometimes without you realising.
As the year draws to a close and households prepare for the busy winter months, many people take time to review their finances. Mortgage rates, energy bills and day-to-day costs can all shift throughout the year, making autumn a sensible moment to check whether your financial safety nets are still fit for purpose.
The buy-to-let market continues to evolve. With rental demand remaining strong and borrowing costs higher than in previous years, choosing the right investment property has become a more strategic decision than ever.
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 buttons, and switch to the next deal. However, before you do that, it is important to ask whether that offer is truly the right one for you.
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 Assent on 27 October 2025, will end “no-fault” evictions, tighten property standards and create new rights for tenants. It aims to make renting fairer and more secure while giving responsible landlords clearer rules and stronger legal certainty.
New figures have revealed that first-time buyers are now paying an eye-watering £163,047 on rent before they are able to purchase their first home. This represents a 40 per cent increase in a decade, according to research from specialist mortgage lender Perenna
The Bank of England base rate is currently 4.0%, having fallen from a peak of 5.25% over the past year1. While this downward trend has provided some relief to borrowers, the key question for homeowners and landlords is how low rates might go and when.
Fraudsters pretending to be the Financial Conduct Authority (FCA) have targeted thousands of people this year, with almost 5,000 fake FCA scams reported in the first half of 2025
When your mortgage deal comes to an end, most people focus on securing the best new rate. However, remortgaging is also the perfect time to step back and look at the bigger picture. It is not only about lowering your monthly repayments, it is also about ensuring that your financial safety net continues to protect you and your family.
Protect Mortgage Solutions Ltd trading as Protect Mortgage Solutions is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.
Protect Mortgage Solutions Ltd are registered in Scotland.
Registered No: SC501786. Registered Office: 7 Queens Gardens, Aberdeen, AB15 4YD.
Try it FREE for 7 days, then £14.99 a month – cancel online anytime
Please be aware that by clicking on to the above links you are leaving the Protect Mortgage Solutions Ltd website. Please note that Protect Mortgage Solutions Ltd nor HL Partnership Limited are responsible for the accuracy of the information contained within the linked site(s) accessible from this page.
If you click this referral link and make a purchase (or take another qualifying action), we may receive a commission or referral fee – at no extra cost to you.
Protect Mortgage Solutions Ltd trading as Protect Mortgage Solutions is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.
Protect Mortgage Solutions Ltd are registered in Scotland.
Registered No: SC501786. Registered Office: 7 Queens Gardens, Aberdeen, AB15 4YD.
Try it FREE for 7 days, then £14.99 a month – cancel online anytime
Please be aware that by clicking on to the above links you are leaving the Protect Mortgage Solutions Ltd website. Please note that Protect Mortgage Solutions Ltd nor HL Partnership Limited are responsible for the accuracy of the information contained within the linked site(s) accessible from this page.
If you click this referral link and make a purchase (or take another qualifying action), we may receive a commission or referral fee – at no extra cost to you.
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The Financial Conduct Authority does not regulate some forms of Buy to Lets. Think carefully before securing any other debts against your home. Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.