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Keep up to date with the latest industry news and Bright Advice stories
Millions to Remortgage in 2026 Seeking Mortgage Advice
Around 1.8 million households across the UK are due to remortgage this year. Many of these borrowers are coming off historically low fixed‑rate deals taken out several years ago. As those terms end, large numbers of homeowners are now exploring their options and...
Mortgage Rate Increases Continue Across Major Lenders
Homeowners face another rise in mortgage costs this week as three major high street lenders increased their rates. Nationwide and Halifax Adjust Rates Nationwide has raised several fixed and tracker mortgage rates by up to 0.3 percentage points. Its lowest two‑year...
Great news for first-time buyers as mortgage price war heats up
A positive start to 2026 It’s great news for first-time buyers in 2026, as competition between lenders is driving new mortgage options and improving affordability. After years of saving challenges and high rates, those planning to buy their first home now have more...
First Time Buyer Mortgages: Affordability Improves as Market Strengthens
The UK property market saw a rise in first time buyer activity during 2025. According to the latest Nationwide analysis, the number of people securing first time buyer mortgages was around 20% higher than the previous year. This rebound reflects easing affordability...
Many First Time Buyers Yet to Speak with Mortgage Brokers, Study Reveals
Nearly half of aspiring homeowners in the UK have never spoken to a mortgage broker or lender to explore their options, according to new research from the Building Societies Association (BSA). The findings highlight a significant knowledge gap among first time buyers...
Shared Ownership: How It Works in Practice Today
With house prices continuing to challenge first-time buyers, shared ownership remains a key route onto the property ladder for those who may otherwise be priced out. While the concept has been around for some time, it’s worth revisiting how shared ownership works in...
UK Housing Market Recovery: Positive Mortgage News for 2026
Bright Advice - Mortgages by Design reports on the latest mortgage news from the Royal Institution of Chartered Surveyors (RICS) UK Residential Market Survey. Early signs point to improved confidence in the housing market. This mortgage news covers national trends,...
Nationwide’s New High Income Lending Rules: What It Means for Mortgage Advice Seekers
Bright Advice, Mortgages by Design take a close look at recent changes from Nationwide Building Society and what they could mean for people exploring their mortgage advice options. Nationwide, the UK’s largest building society, has widened access to its higher...
Bright Advice Celebrates 780+ Five-Star Trustpilot Reviews
Bright Advice Mortgages by Design has reached an incredible milestone: over 780 reviews on Trustpilot, earning a perfect 5-star rating with 99% of feedback at five stars. This achievement reflects 26 years of trusted financial guidance, showcasing client satisfaction...
The 25-Year Mortgage Myth
For generations, the 25-year mortgage has been seen as the “standard” when buying a home, almost a financial rule of thumb. But where did this idea come from, and does it still make sense today? At Bright Advice, we often hear clients assume that a 25-year term is the...
Mortgage Advice: Getting on the Property Market Later in Life
Getting on the property ladder is often seen as something you do in your 20s or 30s, but that’s no longer the only path. More people are buying homes later in life. Whether it’s due to changing circumstances, new beginnings, or simply taking advantage of greater...
The essentials you need to know if you’re considering gifting your home to your children
Your home is likely to be one of the largest assets you own. Indeed, according to the Halifax House Price Index, in August 2025, the average house in the UK was worth almost £300,000. So, you might be wondering how to efficiently pass on your property, including...
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