BUYERS snapping up a new-build home could slash their mortgage rate to below 2% using a little-known scheme, hugely reducing their monthly repayments.

The little-known new-build mortgage trick that could slash your rate below 2% – here’s how

David Stirling said people were already making changes

HMRC April 2027 new tax 'already having impact' says Belfast financial adviser

A Belfast financial adviser says enquiries about inheritance tax planning have risen by 50% as families rush to review their finances

New HMRC tax planned for April 2027 'already having impact'


Experts have explained how to avoid problems at a difficult time

https://www.mirror.co.uk/money/inheritance-alert-200-mistake-could-37532277

Financial advisers are urging people to record who should inherit sentimental possessions, warning that informal promises over family heirlooms can lead to bitter disputes after death.

Advisers urge families to record inheritance wishes

NATIONWIDE Building Society has become the first major lender to cut mortgage rates after weeks of increases across the market.

Nationwide becomes first major lender to DROP rates as 1.8million face remortgaging shock this year

Experts said it had comes as a surprise given changes elsewhere

Halifax change for customers ‘from Wednesday’ with extra costs

Things are really up and down at the moment

Nationwide makes ‘welcome’ change for customers from Tuesday

Nationwide makes change for customers from Tuesday in ‘welcome move’ - AOL

Experts have said the new rules are more complicated than they first seem

New ISA rules mean ‘new charge’ for savers paid to HMRC - AOL

New ISA rules mean ‘new charge’ for savers paid to HMRC

The bank ‘deserves genuine credit’ says one expert

Santander and Octopus Energy new £29,000 update issued - AOL

Santander has launched a deal with Octopus Energy

Santander and Octopus Energy praised over new ‘£29,000’ offer

Santander and Octopus Energy new £29,000 update issued

Mortgage rates are spiking as five mortgage lenders upped their pricing in the last 24 hours in response to the escalating conflict in Iran. 

Mortgage rates see biggest spike since start of Iran conflict as five lenders put up prices in 24 hours

The push towards a fully digital service and a cull of admin staff has left taxpayers with nowhere to turn when automated systems fail

How HMRC became a Kafkaesque nightmare

Barclays update as borrowers told to ‘sharpen their pencils’

HMRC expects the measure to raise an extra £315 million over four years

HMRC ‘check record now’ warning as new tax rules enforced from 2027

Barclays brings ‘good news’ update for borrowers

News Jobseekers aged 50 and older are being written off and automatically filtered out due to “quiet bias”, experts warn

Jobseekers aged 50 and older are being written off and automatically filtered out due to “quiet bias”, experts warn

Virgin Money follows Nationwide with change for UK customers

Experts are predicting others will soon follow suit

Virgin Money makes key change for UK customers following Nationwide

Virgin Money confirms immediate change for UK customers

Act now if you are due for a renewal - most lenders let you change to a better deal later

Nationwide makes third cut to mortgage deals – with more lenders to follow

Nationwide has given a new update to start the week

Nationwide confirms key change for customers ‘from Tuesday’

Halifax ‘positive’ move after new Nationwide update

Feels like a brief breather, not a turning point

Halifax announces change for customers as Nationwide issues update

Santander is making a major change this week

Santander shares good news for these customers - from Friday

Many Brits have been handed a rare piece of good news after Santander announced a major change from Friday.

Major Santander change from Friday - what customers need to know

There was good news for customers announced on Tuesday afternoon

New Halifax update given to customers ‘but could be short-lived’

Halifax customers get new good news update ‘but it might be short-lived’

The picture is changing day by day at the moment

‘Good news’ update for Santander, first direct and TSB customers

Cautiously hopeful, until it all flips again

New ‘good news’ announcements for TSB, first direct and Santander customers

Mortgage overpayments are an increasingly publicised means of mitigating higher interest rates.

Typical homeowner could save £31,000 in interest - so why don't experts agree on overpaying your mortgage?

Halifax has also given an update and others are predicted to follow

Nationwide makes new announcement and customers ‘should take action’

Halifax also gave an update on Monday afternoon

Nationwide customers given new update with ‘act now’ advice

New Nationwide announcement and customers told ‘act now’

The changes are due to take effect from Friday

Santander hikes home loans rates for third time in 10 days in new blow

Barclays has slapped a 0.1 per cent increase on rates on a selection of its productions including residential purchase and remortgage ranges.

Barclays joins run of mortgage rate hikes in blow to borrowers

Hoping to get your finances in order this year? Whether it’s clearing debt or building a nest egg, here are some New Year’s resolutions to help you become more money-savvy - and tips from experts on how to stick to them.

11 financial New Year’s resolutions to get your money in order

Average UK house prices fell last month with an improvement in affordability for first-time buyers, the latest figures from Halifax show.

House prices drop £1,789 as Halifax says affordability improves: 'Green light for many first-time buyers!'

The lender has also introduced new affordability stress rates, in another boost for homebuyers.

HSBC slashes interest on mortgages in first cuts of 2026 as ‘rate war’ brews

Brokers have hailed a “statement of intent” from HSBC after it became the first lender to cut mortgage rates in the new year.

New year starts with new mortgage rate cuts

HSBC has become the first major UK lender to cut mortgage rates in 2026, announcing reductions across a wide range of residential and buy-to-let products from January 5.

Mortgage WIN as HSBC fires starting gun on 2026 rate cuts: 'First lender to show their hand in the New Year'

Reduction follows Bank of England’s base cut in December, with further cuts expected this year

HSBC becomes first big UK lender to cut its mortgage rates in 2026

Experts predict this move will be followed by other major banks.

Major bank to reduce mortgage rates that could cause ‘rates war’ between lenders

Mortgage analysts are warning that "house prices will continue to stall in 2026" after data from Nationwide Building Society found a dip in property prices towards the end of last year.

Nationwide Building Society issues property market update as 'house prices will continue to stall in 2026'

Thousands of workers forced to work from home will no longer benefit from the working from home tax relief next year. How will it affect you?

300,000 remote workers to miss out on working from home tax relief

Business leaders are speaking out over the Budget measure which will see the flat-rate working from home tax relief cut

Rachel Reeves accused of 'slapping 300,000 workers in the face' with tax relief cut

The move will raise taxes by up to £124 for those affected, HMRC estimates.

300,000 workers to lose key tax relief after Budget in ‘another slap in face’

The Chancellor unveiled changes to salary sacrifice rules which could impact pension savings for millions

Pension crisis for workers as Rachel Reeves's £4.7bn 'salary sacrifice raid' to 'shrink retirement pots'

Experts say Reeves’ £4.7bn salary sacrifice cap will make pension schemes far less attractive, push employers to cut benefits, stall hiring and shrink workers’ long-term retirement pots.

£4.7bn ‘salary sacrifice raid’ could see pension benefit scrapped by thousands of employers, experts warn

Advisers say inconsistency of service standards is the biggest problem with switching pension funds to a new provider.

Pension switching riddled with delays and inconsistency, advisers claim

One expert said rate cuts are “landing just when borrowers need them most”.

Huge boost for borrowers as major lender cuts rates by up to 0.2%

Nationwide launches interest-only mortgages but brokers suggest caution

Experts warned “too many still miss out” on the support, which can make the difference between returning to work and staying at home.

UK households urged to claim £2,000 ‘top-up’ from HMRC with ‘many missing out’

Financial advisers report a rise in businesses and individuals cancelling private medical insurance as tax pressures and costs mount.

Rise in people and firms cancelling private medical insurance as tax squeeze bites: “The numbers no longer stack up”

Experts have waded into shocking new Office for National Statistics data showing UK’s borrowing soared last month, in part thanks to public sector pay rises.

Rachel Reeves crisis as borrowing soars and ‘UK on verge of being repossessed’

Suffolk Building Society has reported “continued growth” for self-build mortgages as housebuilding falls behind targets.

Self-build mortgages grow in popularity as housing supply remains tight

AI only gets advice correct half the time leaving Brits at risk of making damaging errors, according to research by financial education specialists Investing Insiders.

AI provides the wrong financial advice half the time

HOUSE hunters could land their new home with a 5% mortgage deposit thanks to a freshly unveiled loan scheme.

New 5% deposit mortgage launched to help first-time buyers get new-build homes as government scheme axed

Average mortgage rates are on the rise for the first time in eight months, as lenders exercise caution ahead of possible tax rises in November’s Budget.

Mortgage rates RISE for first time since February as Budget fears grow

Families can get up to £500 every 3 months

Parents urged to claim £2,000 ‘top up’ from HMRC

Many hopeful lenders turn to side-hustles to raise funds, including Airbnb, Only Fans or even high-risk gambling - but experts have warned some banks could take a dim view

Earnings from adult platforms or Airbnb could stop you getting mortgage

Critics warn that it would have a ‘drastic effect’ on families in the UK

HMRC considering ‘blatant’ change to tax the bank of mum and dad

New loan reserved for first-time buyers without access to parental help

Mortgage lender bans deposits from Bank of Mum and Dad

Mortgage lenders have been urged to put more effort into client retention as a small uplift in retention can disproportionally boost profits.

Lender retention push must not erode consumer choice

The potential proposal involves reducing the longstanding £3,000 annual tax-free gift allowance

‘Daft’ new HMRC rules could hit ‘Bank of Mum and Dad’

Chancellor Rachel Reeves is rumoured to be planning a move that would target families, say critics

‘Bank of mum and dad’ at risk in HMRC tax plan say experts

The HMRC is rumoured to be planning a clampdown on the ‘Bank of Mum and Dad’, with critics warning that it will have a ‘drastic effect’ on families in the UK

HMRC to make ‘blatant’ change to tax the bank of mum and dad

‘From everyday living expenses to help with property deposits, this support is essential’

Rumoured HMRC crackdown on ‘Bank of Mum and Dad’ sparks warning

“Family gifts can be the difference between affording a deposit, keeping up with bills, or accessing good education.”

UK households warned over potential HMRC crackdown on ‘Bank of Mum and Dad’

Reeves blasted for an inheritance tax plot which is “turning grandparents into tax evaders”.

UK households warned over HMRC crackdown on ‘Bank of Mum and Dad’

A series of property market tax proposals which have been floated ahead of the Autumn Budget are already hitting confidence among landlords and home movers.

How Labour’s tax plans could send property market into MELTDOWN

A number of lenders have started to raise mortgage rates which brokers have claimed reflects the government’s fiscal policy.

Lenders raise rates despite base rate cut

Critics argue hikes to capital gains tax (CGT) risk punishing long-term savers and destabilising the housing market rather than raising sustainable revenue.

Rachel Reeves handed dire property tax warning over ‘wealth exodus’ fears

A property expert has said homeowners in London and the South East will be hit hardest by Rachel Reeves' proposed mansion tax

Rachel Reeves' 'mansion tax' could hit London homeowners the hardest

Analysts have noted that bankruptcy rates have dipped only because many struggling households cannot even afford the court fees associated with going bust.

Rachel Reeves disaster as insolvency expert issues dire 5-word debt warning

If gifting rules are tightened, people could turn to inventive new tactics to pass on more of their cash and assets, say experts

How tightening inheritance tax gifting loopholes would impact families

The introduction of VAT on private school fees has heightened competition for the best state schools, meaning in some areas buyers would be willing to pay an average of £40,500 more for a property.

Is private school VAT pushing up house prices? - what MORTGAGE

Rachel Reeves is turning traditional planning “on its head” by bringing

Google searches for IHT advice surge

Consistently using buy now, pay later (BNPL) services such as Klarna could impact customers’ ability to get a

Could buy now, pay later be costing customers a mortgage?

Google data shows huge spikes in people seeking ways to avoid paying the levy

Rachel Reeves causes fresh confusion over inheritance tax changes

Quilter’s decision to move its remaining independent appointed representatives to a restrictive model is a “good opportunity” for IFAs, Rowley Turton director, Scott Gallacher, has said.

Quilter ARs move to restricted model an ‘opportunity’ for IFAs

Falling rates would be good news for remortgagers, but experts caution reductions are not guaranteed

Cheapest mortgage rates expected to drop below 3.5% in 2026

Nationwide Building Society has cut rates by up to 0.21 percentage points, following similar reductions by TSB, which has cut selected deals by up to 0.30%, and Santander, which reduced some fixed rates earlier this week by up to 0.16%

Nationwide, Santander and TSB cut mortgage rates in ‘bold’ move

The latest reductions are a boost to hard-pressed borrowers taking out new loans.

‘Bold’ moves by Nationwide, TSB and Santander in tit-for-tat home loan war

Laura Cornely has stressed she is not trying to “elbow human advisers off the stage” after some were sceptical about her new app, which looks to

We are not trying to ‘elbow human advisers off the stage’

Tax experts have hit out at the Labour Party government’s tax arm, accusing it of living in a “utopian dreamland”.

HMRC issues order to 12 million which is ‘not grounded in reality’

The latest figures on economic output mean Andrew Bailey and the Bank of England are likely to reduce the base interest rate next month, mortgage experts predict.

Interest rate cut next month now certain, brokers claim

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