By Jonathan Gardner

Why are so many landlords selling up in the UK? Many buy-to-let landlords are facing higher mortgage payments due to rising interest rates. This is particularly challenging for those with variable-rate or tracker mortgages, whose costs increase directly with interest rate hikes. Even landlords on fixed-rate deals are feeling the strain as they come up […]

UK Mortgage Rules Easing? Yesterday, UK financial regulators were thought to be contemplating easing mortgage regulations to stimulate economic growth and make homeownership more accessible. Chancellor Rachel Reeves has recommended a “pro-growth agenda,” urging regulatory bodies to shift from a risk-averse stance to one that fosters growth and innovation. According to the Times, the proposed

UK Inflation Rate – What could it mean for mortgage costs? The UK is grappling with inflation once again, a challenge that continues to ripple through the economy and directly affect homeowners with mortgages. As of early 2025, inflation remains above the Bank of England’s target rate of 2%, putting considerable pressure on household budgets

UK Housing Market 2024 – The year that was! Home repossessions in the UK have been on the rise throughout 2024, reflecting the financial challenges faced by many households. According to Insider Media, in the third quarter of 2024, the number of homeowner-mortgaged properties being repossessed increased by 39% compared to the same period in

Can a possession order be stopped? The short answer is yes, a possession order can be stopped! However it depends on your specific circumstances and how proactive you are in responding to the situation. Possession orders are typically issued by the court when a lender has taken legal action to reclaim a property due to

Can I Get Help with Mortgage Arrears? Falling behind on your mortgage payments can be an anxious experience. But, there are several steps for getting help with mortgage arrears. Here’s some of the most common solutions: The first step is to reach out to your mortgage lender. They may be able to offer you flexible

Home Repossession Letters and What They Mean. Receiving a letter about home repossession can be a stressful and worrying experience. Understanding what the letter means and what steps you can take is so important.  I have been asked about these types of letters and before I go into the different types you may receive if

How many extensions would a court allow before the court eventually refuses further extensions? I have just been talking to a prospect that got in touch with us through our website and I found out that his situation was (in our experience) very unusual. He has been in mortgage distress for some while now, but

Life after house repossession Life after house repossession can be a challenging and emotionally charged time, but if you understand the path forward, you can regain stability. When your house is repossessed, it generally occurs because of mortgage arrears that have become unsustainable, with your lender eventually obtaining a court order to take possession of

Can a possession order be stopped? In the UK, a possession order can be stopped, but the process and outcome depend on the circumstances surrounding the case. A possession order is usually granted by the court to a lender, typically following missed mortgage payments, giving them the right to repossess a property. However, if you’re