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.

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.

Base rate cuts are forecast for Autumn 2025 — a golden window of opportunity is opening. Move fast, and you could capitalise in a big way.

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.