The Bank of England is widely expected to hold interest rates at 3.75% when policymakers announce their latest decision on Thursday 30 July. While this may appear to signal stability on the surface, there are a number of underlying factors creating a more complex and uncertain outlook.

In recent weeks, we’ve seen a noticeable shift as major lenders begin reducing mortgage rates, signalling a change in momentum after a period of uncertainty. With swap rates easing and lenders keen to attract business, the landscape is becoming increasingly favourable but also more complex for buyers and homeowners. What can this mean for you?

The introduction of the Renters’ Rights Act has undoubtedly reshaped the private rental landscape across the UK. However, for those operating within the student lettings sector, the changes have brought as many questions as answers.

The UK housing market continued to shift in favour of buyers throughout May, as transaction levels softened slightly and supply continued to outweigh demand in many areas. While headlines may focus on small percentage changes, the underlying story is far more significant.