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.

Interest rates have shifted — and if you’re thinking about moving home, this matters more than you might think. From buyer confidence to seller demand, here’s what today’s Bank of England decision could mean for your next move.

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.

Winter catches landlords out more than any other season. Shorter days, colder temperatures and heavier use of your property put systems under pressure fast. Small issues can escalate overnight — and without the right checks in place, winter can quickly turn from “quiet” into costly.