Home insights

Straight answers about running, keeping and selling a home: what things cost, what the paperwork means and what to do before it becomes a problem.

Buying and Selling· · 27 min read

Buying Your First Home in 2026: The Complete UK Guide

A step-by-step guide to buying your first home in the UK, from saving a deposit to getting the keys. It covers what lenders look for, the Lifetime ISA, stamp duty in each nation, the real cash needed for a £275,000 home and the paperwork worth keeping once you move in.

Buying Your First Home in 2026: The Complete UK Guide
A clipboard with a house tile, four ticked boxes, one empty box and a balance-scale badge, beside a record card headed Renters' Rights Act: the written statement, rolling tenancies, rent in advance and the Information Sheet are ticked, with a clock by the register opening 15 December 2026.
Landlords· · 13 min read

Renters' Rights Act: The Landlord Compliance Checklist for 2026

The Renters' Rights Act 2025 changed every private tenancy in England on 1 May 2026. More arrives in stages: the landlord register from 15 December 2026, an ombudsman expected in 2028 and the Decent Homes Standard in 2035. Here's what's in force, what was due by 31 May 2026 and what's coming, each with its status and source, then a checklist to work through.

Renters' Rights Act: The Landlord Compliance Checklist for 2026
A countdown with weeks 12, 10 and 8 ticked off and weeks 6 and 4 still to come beside a for sale sign. A record card headed Twelve weeks to listing shows the paperwork, the title and certificates and small repairs done, with choosing a conveyancer and listing day still to come.
Buying and Selling· · 11 min read

The House Selling Checklist: What to Do in the 12 Weeks Before You List

A week-by-week checklist for selling a house in England or Wales, from twelve weeks before you list to the day you hand over the keys. It covers the paperwork, valuations, choosing an agent and a conveyancer, the EPC, small repairs, leasehold packs, your mortgage and what to keep afterwards.

The House Selling Checklist: What to Do in the 12 Weeks Before You List
A record card headed Registering your rental, with a row each for the property, the gas safety record, the EICR, the EPC and a deadline of 14 March 2027 for the West Midlands.
Landlords· · 8 min read

England's Landlord Register: Every Deadline and What to Have Ready

From 15 December 2026 landlords in England register themselves and each home they let on the government's Register your rental property service, with regions called forward a month apart and the last deadline on 14 November 2027. Here's every deadline, how the £65 fee works and what to have ready before your turn comes.

England's Landlord Register: Every Deadline and What to Have Ready
A form with four questions, each with Yes, No and Not known boxes and one ticked, beside a record card headed On the TA6 with rows for boundaries, disputes and notices, alterations, guarantees and services, the last still to do.
Buying and Selling· · 13 min read

The TA6 Property Information Form Explained: What Sellers Need to Know

The TA6 is the Law Society's property information form that sellers in England and Wales complete through their conveyancer. The buyer relies on every answer. Here's what changed in the 6th edition used since 30 March 2026, what each part asks about, how to answer it well and the documents to gather first.

The TA6 Property Information Form Explained: What Sellers Need to Know
An energy certificate showing the A to G band ladder with a pointer part way down, next to a list of what the certificate measures.
Bills and Energy· · 17 min read

What Your EPC Actually Tells You and Which Recommendations Are Worth Doing

Almost every home has an EPC and almost nobody reads past the letter. This walks through each part of the certificate, which recommendations tend to be worth doing and what is changing: redesigned EPCs for England and Wales are now expected in the second half of 2027, with Scotland on its own timetable.

What Your EPC Actually Tells You and Which Recommendations Are Worth Doing
A block of flats beside an itemised service charge statement with the last line picked out, next to a list of what the charge pays for.
Buying and Selling· · 17 min read

Service Charges and Ground Rent: What You Are Actually Paying For

A service charge demand arrives once a year as a single figure with little behind it. You have more right to question it than most leaseholders realise, from section 20 consultation to the receipts behind the accounts, while most of the reform in the headlines isn't law yet.

Service Charges and Ground Rent: What You Are Actually Paying For
A checklist with the first jobs ticked off, above two moving boxes still taped shut, beside a list of what to do in the first fortnight in a new home.
Digital Logbook· · 15 min read

The First Two Weeks in a New Home: What to Do Before You Unpack

The boxes can wait. This is a practical moving-in checklist for day one, the first 48 hours, the first week and the second week: the readings, safety checks, admin and paperwork that take minutes now and turn into a small research project six months later.

The First Two Weeks in a New Home: What to Do Before You Unpack
A measured drawing of a house with dimension arrows and a calculator beside it, next to a list of what a rebuild cost figure has to cover.
Bills and Energy· · 13 min read

Rebuild Cost, Not Market Value: The Number Your Home Insurance Needs

Buildings insurance asks what it would cost to rebuild your home, not what it would sell for. The two can be far apart. Here is what a rebuild figure includes, how to work yours out for free, when you need a surveyor instead and what an underinsured claim actually looks like.

Rebuild Cost, Not Market Value: The Number Your Home Insurance Needs