Insights

Young mortgage holders play a risky protection game

Three in ten homeowners aged between 18-34 lack protection cover, but 57% would be in financial difficulty within six months if they lost their income. Protection such as life insurance, critical illness and income protection offers vital security.

Young investors lead the charge

UK investors are increasingly optimistic, with younger wealth-builders seeming particularly confident. 87% of 25 to 34-year-olds expressed confidence in investing, meanwhile 54% of this group are actively investing. This shift marks a generational pivot toward long-term wealth creation.  

Residential Property Review – September 2025

The UK housing market faces uncertainty ahead of the Autumn Budget, with potential tax changes impacting activity. Mortgage rates eased but could rise again. Sales fall-throughs remain high, while affordability continues to shape buyer hotspots across London. 

Commercial Property Market Review – September 2025

The commercial property market saw lower turnover but bigger deal sizes in early 2025. Outlook for H2 is strong with potential rate cuts boosting investor confidence, though London’s construction pipeline faces challenges despite some support from government-backed projects. 

Home renovations are in – what’s driving the trend?

Seven million UK homeowners are planning renovations, each projected to spend over £14,000 on average in the next two years. Motivations include home working, multi-generational living, and energy-efficient upgrades. Renovation plans are particularly popular among younger age groups.

Investing with confidence – ‘keep calm and carry on’

Uncertainty can make investors hesitate, but long-term growth often comes from staying the course. History shows the best returns follow the worst days, so focus on your goals, not the headlines, and invest with confidence. 

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