How Could the US Strikes on Iran Affect UK Mortgage Rates?* News of the recent US military strikes on Iran has dominated headlines, leaving many homeowners and property investors wondering: "What does this have to do with my mortgage?" At first glance, a conflict thousands of miles away may seem unrelated to the UK property market. However, global events can have a surprisingly significant impact on mortgage pricing. Why does a conflict in the Middle East matter? Iran sits

The latest Nationwide House Price Index shows the housing market is proving more resilient than many expected. Annual house price growth has edged higher, but monthly growth has remained relatively flat, suggesting the market is stabilising rather than accelerating. So, what does this mean for property investors? For Q3 2026, I expect the market to remain selective. Well-priced properties in areas with strong rental demand should continue to attract buyers, while overpriced

John Healey has been appointed as the UK's new Chancellor... and the markets have wasted no time reacting. Defence stocks, including BAE Systems, Babcock and QinetiQ, have all moved higher as investors expect increased government spending on defence under Healey's leadership. At the same time, gilt markets and sterling have remained relatively stable, suggesting investors currently see him as a credible and fiscally disciplined appointment, but they're waiting to see exactly

Not sure whether to choose a fixed rate or a variable rate mortgage? Here's a simple way to think about it. A fixed rate mortgage means your monthly payments stay the same for an agreed period, usually 2 or 5 years. It's great if you want certainty and protection from interest rate rises. A variable rate mortgage, on the other hand, can go up or down depending on your lender's rate or changes in the market. That means your monthly payments could change too. Here's a bonus tip

If you're buying, selling or investing in property, here's what you need to know. Firstly, nothing changes overnight. Any major tax reforms would still need to go through Parliament before becoming law. However, there are some proposals that property owners should keep an eye on. 🏡 Stamp Duty: Burnham has previously backed replacing Stamp Duty with an annual property tax. That could make moving home cheaper upfront, but homeowners may pay an annual charge instead. No changes

Why are mortgage rates changing when the Bank of England hasn't moved interest rates? I highly recommend checking the latest on swap rate movement on https://propertyresearch.uk/insights/swap-rates Here, you will find all that you need to know tracking the relationship between Bank of England base rate and swap rates. Be sure to check out propertyresearch.uk Information here is accurate as at 15 July 2026 and will change without notice. One question I get asked all the time

Most people don’t realise this… You can be classed as a landlord WITHOUT being an investor. If you’ve moved out of your home and rented it, you may fall under “consumer buy-to-let” This changes the lenders available to you. I’ve seen clients go down the wrong route and get their mortgage declined because of this. If you're unsure which category you fall into, feel free to message me 👍 Tilly pup and I welcome your enquiries 🐶🐾 #buytolet #property #mortgages #speciali