Mortgage holidays can offer valuable breathing space, but those taking one need to understand the true cost, a leading mortgage expert has warned. A mortgage holiday can be a genuinely useful tool for the right circumstances, so long as borrowers go in with a clear picture of how the debt, and the interest it accrues, will be repaid afterwards.

Property expert Sam Fox, founder of the UK Mortgage Centre, says a new wave of rate cuts is likely before the end of June, driven by falling funding costs, intensifying competition between lenders and the start of the busy summer moving season. However, he is urging borrowers not to let optimism tip into complacency.

Mortgage rates have moved higher again this spring, with the average two and five-year fixed deals now sitting at around 5.3 to 5.4 per cent, as lenders respond to a more volatile market. After a relatively stable start to the year, recent weeks have seen a clear shift.

There's a very specific moment that happens for many professional women at this time of year, and it has nothing to do with spring motivation or fresh starts. It arrives when they're doing their tax return, and what begins as a financial exercise often becomes something far more revealing.

Instant access cash ISA bonus rates are on the increase putting savers at risk of losing out once the bonuses expire, new analysis for Investec Save shows. The analysis - conducted by Andrew Hagger of Moneycomms for Investec Save - found that five of the top 10 paying instant access cash ISAs rely on bonus rates rising to nine of the top 25 and 12 of the top 50.

Shared ownership is proving a great way for many people to get on the property ladder. And with an estimated 250,000 people now using the Government-backed scheme, rising numbers are expected to now attempt to buy a home this way.

Our personal finance and consumer expert has revealed how she turned her finances around and became an expert saver after starting off as a self-confessed “spendaholic”.

As millions of fixed-rate mortgage deals approach their end, experts are warning homeowners to prepare for a sharp rise in remortgaging activity this Autumn. Forecasts from UK Finance suggest a 30 per cent increase in remortgaging in 2025, putting pressure on borrowers to make timely, informed decisions.

A property expert today offers his advice to first time buyers looking to get a foot on the housing ladder. Research has shown that 67% of borrowers purchasing property in 2024 were first-time buyers. And data released this week revealed first-time buyers are borrowing through mortgages that last an average of 31 years as the affordability of homes remains a stretch.

Resolutions don’t just need to take shape in the form of eating healthier or drinking less — they can also apply to your spending habits. Assessing your finances in January isn’t just about balancing the books — it’s your chance to reset, recover from holiday splurges and set goals to save big.

Nearly all UK farmers see their current farm as funding part of their future “pension”. More than four in five (86%) UK farmers have over 50% of their wealth tied up in their farm.

With the UK’s inflation rate falling to 3.2%, its lowest since 20211, there’s never been a better time for households to start or add to their emergency saving fund, after a third (33%) revealed they have less than £500 saved, and 1 in 10 (13%) Brits admit to being without any financial safety net at all2.