Insights

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. 

‘Unexpected costs’ hit two in three homebuyers

Two in three homebuyers face unexpected costs such as repairs, legal fees and Stamp Duty, often causing financial strain and delays. Even experienced buyers aren’t immune, with some calling surprise expenses the most frustrating part of buying a home.

Gen X are stashing the cash – time to invest instead?

Gen X is building strong cash reserves but missing growth opportunities by avoiding investing. A better balance of savings and investments could help protect long-term wealth from inflation and support a more resilient financial future. 

EPC – three letters that can help landlords get cheaper mortgage deals

Many landlords are missing out on cheaper mortgage deals by not updating their Energy Performance Certificate (EPC) after making green improvements. Properties rated A to C qualify for green mortgages, so getting a new EPC after upgrading is essential. 

Economic Review – August 2025

UK growth beat expectations in Q2, while inflation climbed to an 18-month high. The Bank of England cut rates, but future policy looks uncertain. Public borrowing improved, though fiscal pressures mean tax rises are still likely in the autumn. 

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