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What does Nationwide's latest House Price Index tell us about the UK property market?
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
CYS Financial Ltd
Jul 221 min read


UK's new Chancellor, John Healey
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
CYS Financial Ltd
Jul 221 min read


Fixed Rate vs Variable Rate Mortgages
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
CYS Financial Ltd
Jul 211 min read


Swap rates and what you need to know
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
CYS Financial Ltd
Jul 192 min read
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