This guide covers everything you need to know about getting your first mortgage — from improving your credit score to picking the right deal — so you can approach the process with confidence.

In August 2025, the Bank of England’s Monetary Policy Committee (MPC) voted by a narrow 5–4 majority to reduce the official Bank Rate from 4.25% to 4%. This is the lowest interest rate since March 2023 and marks the fifth consecutive cut since August 2024. For homeowners considering selling, this change could represent a golden opportunity.

Relocating to a new home is a major milestone – exciting, full of potential, but often stressful, especially when children are involved. From saying goodbye to familiar surroundings to adjusting to a new school, moving can be overwhelming for little ones and parents alike.

Choosing a new home isn’t just about the property itself – the neighbourhood plays a huge role in your quality of life. From schools and transport links to local shops and community spirit, here’s what to look out for when deciding if an area is right for you.