Mortgage rates and affordability shape everything in 2026. In this article we explain what January is telling us about buyer confidence, borrowing power and why understanding your numbers early gives you a huge advantage.

Buyer demand does not suddenly appear in spring. It starts right now. In this article we break down where serious buyers are in January 2026, why early demand creates stronger pricing and how sellers who move first gain a real negotiation edge before the market becomes crowded.

Lower fees, more control, fewer commitments. But what many landlords don’t realise is how much responsibility still sits with them. Over time, small gaps in management quietly turn into stress, cost and risk — usually when it’s least convenient.

The November Budget just changed the rules for buyers and sellers — from new property taxes to tighter affordability pressures. If you’re planning a move in 2026, you’ll want to read this.