The Bank of England has chosen to hold the base rate at 3.75%, following its quarter-point cut in December. While the decision itself was widely expected, the narrow 5–4 vote tells a more interesting story about where interest rates could head next, and what that means for mortgage borrowers.

First-time buyers, take note — ordering a pizza on credit could influence your mortgage chances. Here’s what you need to know. In recent years, buy now, pay later (BNPL) providers such as Klarna have made it easier than ever to spread the cost of online shopping. For many, it feels like a harmless, flexible way to manage money. But if you're planning to get on the property ladder, it’s important to understand how Klarna, and other similar services, might affect your mortgage

Understanding how mortgage rates are determined can seem complex, but it's crucial for anyone considering a mortgage.