NEWS & INSIGHTS

What we are seeing.

Market views, regulation and deal commentary, written by the people placing the deals rather than a content team.

BUDGET 2026Budget 2026: what it means for property financeThere was a great deal in the Budget on 28 October, and most of it matters to property more than the headlines suggested. Rather than compress it into a single piece, we have taken the measures that affect specialist property finance one at a time. This page collects them.FOLLOW THE SERIES 6

FEATUREDREGULATIONProperty income tax is going to 49%. That is four points, not two.The Budget added a further two percentage points to property income tax from April 2027. Measured from where a landlord sits today, it is a four point rise in a single step.Sehbaaz28 October 20263 min readREAD THE ARTICLE →

A row of Victorian red brick terraced houses with tall chimneys, slate roofs and white bay windows.

An estate agent's For Sale board on a post beside a hedge on a residential street.

MARKET NEWSStamp duty did not change. The deals you parked can move.No change to stamp duty rates or thresholds. The speculation that stalled transactions through the autumn is over, and the thing people were waiting for was never coming.Kam3 min read

An aerial view of a business park, with rows of large grey industrial units, loading bays and parked cars.

REGULATIONBusiness Asset Disposal Relief just halved. The clock is 6 April 2027.The lifetime limit drops from £1m to £500,000. If a disposal was already somewhere on your horizon, the date just became the most important number in the plan.Kam3 min read

A line chart of market expectations for Bank Rate, rising from 3.75% in July 2026 through the 5 November decision to 4.75% by mid-2027.

MARKET NEWSThree members voted to raise. The market now expects 4.75%.Inflation is forecast above 4%, most economists expect a rise on 5 November, and markets are pricing Bank Rate at 4.75% by mid-2027. On a bridging or development file that is an exit problem before it is a pricing problem.Hiran4 min read

A disused concrete site with saplings and weeds growing from a rusting metal skip in the foreground.

REGULATIONSmall brownfield sites just got cheaper to build. Your appraisal is out of date.The Budget exempts smaller brownfield developments from Biodiversity Net Gain. A site that did not stack up in the spring might stack up now, and that is a reappraisal job rather than a headline.Sehbaaz3 min read

An aerial view looking straight down on rows of terraced houses, with back gardens between them and cars parked along the streets.

GUIDESIncorporation got more attractive on income and less attractive on exit.Two measures in the same Budget pull in opposite directions. Which one dominates depends on something most coverage will not mention: how long you intend to hold.Hiran4 min read

A row of newly built houses under a clear sky

REGULATIONHelp to Buy is back. The real story is the exit.Your First Home gives first-time buyers a 2.5% deposit route into new-build. For SME developers it changes the one variable development finance actually underwrites on.Hiran5 min read

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TEAM INSIGHTSWhere deals get nervous.The middle of a finance deal is where the anxiety lives. Kam on why three parties hold the keys to a smooth completion.Kam3 min read

A calculator and reading glasses resting on a printed set of accounts

REGULATIONMTD for ITSA is live. Your cashflow just got more complicated.MTD for ITSA is live. Sole traders and landlords over £50k now file quarterly, and the cashflow conversation has moved a quarter earlier.Kam4 min read

A large brick apartment building against a blue sky

REGULATIONThe National Housing Bank goes live: £16bn and a new deal for SME developersThe National Housing Bank launches with £16bn to back SME house builders. What developers and brokers should know about the new funding landscape.Hiran5 min read

A newly built residential street of brick flats and townhouses

MARKET NEWSMixed-use is rewriting the UK auction market.UK auctions raised £6bn in 12 months. Mixed-use is now half of commercial lots sold. Why buyers need to match finance to asset type.Sehbaaz4 min read

A stone terraced cottage behind an estate agent's For Sale board

REGULATIONRenters Rights Act 2026: what the new rules mean for specialist buy-to-let financeThe Renters Rights Act reshaped landlord finance from 1 May 2026. What portfolio landlords and specialist BTL borrowers need to know now.Sehbaaz6 min read

The Bank of England building against a clear blue sky

MARKET NEWSThe Bank held at 3.75%. Three members voted to raise.The Bank held at 3.75%, but three members voted to raise. What the split means.2 min read