The UK government has announced plans to increase the tax reporting threshold for side incomes from £1,000 to £3,000 by the end of 2029. This change is expected to remove up to 300,000 people from self-assessment tax returns, simplifying tax obligations for individuals earning from small-scale trading, freelancing, and online selling.
Millions of rental homes must meet stricter energy efficiency rules – and tenants could feel the impact.
Landlords are being warned of hefty costs after the government confirmed that all rental properties must achieve an Energy Performance Certificate (EPC) rating of C by 2030.
For many people, the idea of building their own home has long been seen as a luxury—complex, expensive, and out of reach for all but the wealthiest. However, the UK government’s Help to Build scheme is seeking to change that, offering financial support to those who want to design and construct their own homes rather than buy on the open market.
For most homeowners, a mortgage is the biggest financial commitment they will ever make. It’s a long-term promise – one that provides security, stability, and a future for your family. But what happens if you suddenly can’t make your payments?
Many people assume that if the worst happens, the government will step in to help. The reality? State support is minimal, delayed, and, in some cases, simply another loan.
The question isn’t whether financial risks exist – it’s whether you are prepared for them.
If your two-year fixed mortgage is about to expire, you might potentially be in for some positive news. Back in early 2023, many borrowers locked into deals with interest rates as high as 6.86%, as the Bank of England battled stubborn inflation with relentless interest rate hikes. Now, however, the tables have turned—and you could be paying much less when you remortgage.
Purchasing a home is one of the most significant decisions you’ll ever make, so it’s crucial to consider all potential risks before committing. This winter, flooding has once again made the headlines, affecting many homes across the UK, and highlighting the importance of factoring in flood risk when searching for your next property.
For some UK buyers, this means carefully evaluating the possibility of purchasing a home in a flood-prone area. With extreme weather events becoming increasingly common, understanding and assessing flood risks is vital to safeguarding your investment—and your peace of mind.
The UK housing market is showing signs of a strong start in 2025, with significant increases in new property listings and a rise in average asking prices. Estate agents Rightmove report that the average price of properties coming to market has increased by 1.7% (£5,992) this month, reaching £366,189—the largest new year price jump since 20201. Despite this growth, average prices remain approximately £9,000 below the peak reached in May 2024, reflecting ongoing affordability considerations for buyers.
The Bank of England has announced that interest rates are to be reduced again, this time going down to 4.50%.
This is the second reduction in interest rates in recent times, following a long period of interest rate rises, where they peaked at a 16-year high of 5.25%.
There’s some potentially good news on the horizon for homeowners and aspiring buyers: the Financial Conduct Authority (FCA) is considering shaking things up in the mortgage world.
With house prices soaring and affordability feeling like a distant dream, these proposed changes aim to make borrowing simpler, fairer, and more accessible.
If you’ve ever felt the stress of scraping together enough for a deposit or struggled to meet strict lending rules, this could be the break you’ve been waiting for.
January often feels like one of the longest months of the year. With extended gaps until payday and the financial strain left by the festive season, many find their budgets stretched to the limit. If you’re feeling the squeeze right now, take it as an opportunity to plan ahead for the future.
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.
© Copyright Protect Mortgage Solutions
All rights reserved. Website by Clyq
Privacy Policy | Cookie Policy | Complaints Procedure
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.