The latest interest rate decision has once again placed the UK property market firmly in the spotlight. Whether you’re a first-time buyer, seasoned investor, or considering selling your home, understanding how these changes affect your position is key to making confident, informed decisions.

For tenants, April is a useful point to pause and plan. With rents still rising across the UK and the first phase of rental reform approaching in England, this is a good time to review your budget, renewal options and next move.

As borrowing costs climb back to levels last seen in late 2023, landlords are being forced to rethink not only how they finance their portfolios, but how they sustain profitability in a more challenging and complex market.

UK mortgage lenders have recently started increasing their mortgage rates, as concerns grow that the ongoing conflict in the Middle East could have a wider impact on the global economy. Financial markets are becoming more cautious that rising energy prices, particularly oil and gas, could push inflation higher again.