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The Carbon Blog
Making Green Finance Work For You
Sustainable living isn’t just good for the planet, it’s good for your wallet too. Green finance options are designed to help homeowners invest in eco-friendly improvements while reaping long-term financial rewards.
Buy-to-Let: Planning Your 2025 Strategy
If you are already in the market or considering expanding your portfolio, 2025 presents a prime opportunity to think beyond the immediate rental yields and focus on long-term goals.
Preparing for Potential Mortgage Payment Increases in 2025
The Bank of England has warned that mortgage payments for half of homeowners will rise over the next three years, putting 4.4 million households under financial pressure.
How to Get on the Property Ladder in 2025
Getting on the property ladder is a major milestone, but it can feel daunting especially with rising house prices and changing mortgage rates.
Fixed or Tracker: Choosing the Right Option After a Bank Rate Cut
As we approach 2025, the latest interest bank rate cut to 4.75% (November), the lowest level in over a year, gives homeowners and buyers a moment to review their mortgage options.
Important Changes to Stamp Duty: What You Need to Know
As of October 31st, 2024, the Stamp Duty Land Tax (SDLT) surcharge on second homes has risen from 3% to 5% above standard residential rates.
Unlock the Best Mortgage Deal Before 2025
As 2024 comes to a close, many homeowners and first-time buyers are looking for ways to secure the best mortgage deal before the new year.
Low Credit Score: Securing a Mortgage Deal
Securing a mortgage with a low credit score may seem challenging, but it’s not impossible.
Why You Should Start Planning Your Remortgage Now
As we approach the end of 2024, many homeowners are facing the need to remortgage.
Why You Should Consider Income Protection Now
Life is unpredictable, and accidents can happen when you least expect them. A recent study by MetLife found that 11% of employees had to take at least one month of unplanned leave from work in the past year due to an injury from an accident.
Why is a House Survey Important?
Purchasing a property is a significant milestone for anyone. However, one aspect that is often overlooked is the importance of a survey. So, what is a house survey and why is it important?
Bank Rate: Understanding the Impact of its Fall
The Bank Rate, often referred to as the base rate, is a crucial component of the financial landscape. Set by the Bank of England, it’s the interest rate at which the central bank lends money to commercial banks.
Labour: A New Beginning for the Housing Market
Following Labour’s win in the July 2024 election, whether you are a prospective buyer, renter or landlord, everyone is eager to understand the implications for the housing market.
Financial Resilience: The Role of Income Protection
When it comes to purchasing your dream home, the excitement can sometimes overshadow the necessary considerations of financial security.
Navigating the Mortgage Market Ahead of the 2024 Election
As we gear up for the 2024 election, on July 4th, you may be wondering how the political landscape might impact your mortgage options.
Should I Get Life Insurance as a Young Adult?
Research indicates that 10 million young adults are without life insurance, and 51% have no coverage at all.
Getting Mortgage Ready: A Guide for First-Time Buyers
Many aspiring homeowners are facing new challenges in securing their first mortgage. The journey to homeownership can seem daunting, but with the right preparation, it’s achievable.
Mortgage loan: Affordability & Tips
or many aspiring homeowners, purchasing a property often requires borrowing money through a mortgage. But how much can you realistically afford?
My interest-only mortgage term is ending: What are my options?
Many homeowners who opted for interest-only mortgages several years ago are finding themselves facing the task of deciding the next steps for their mortgages, with their interest-only period coming to an end.
Renewing your mortgage: Navigating costs as a landlord
As a landlord, the prospect of renewing your mortgage may be met with a mix of anticipation and trepidation. With mortgage rates fluctuating and economic conditions evolving, the worry of increased cost looms large for many.