Here’s a review of how some of the key events from the past twelve months have impacted markets.

1. Dec-23: Markets ended the year positively in the US, UK and Europe. Investor optimism is growing, fuelled by held interest rates and expectations of cuts in 2024. China’s economic woes continue as it yet again slipped into deflation.

2. Jan-24: Investors reassess their expectations for interest rates as central banks warn against early interest rate cuts. Bonds fell in value, while stock market returns varied led by Japanese equities deliver...

Why mortgage rates don’t always drop when the base rate does?

The Bank of England’s Monetary Policy Committee (MPC) is the group responsible for setting the bank base rate (BBR). This interest rate influences the cost of borrowing for banks and the rates they offer on loans, mortgages and savings, all with the ultimate aim of helping to control inflation.

When the committee meets roughly every six weeks, all eyes are on its decision. Based on a large number of factors in the UK economy and also abroad, the MPC will decide whether to raise,...

Stamp Duty relief not extended for buyers – what you need to know before rules change

In Labour’s first Budget since taking office, the Chancellor announced her plans to fix the so-called ‘black hole’ in the UK’s public finances and increase investment in public services, setting out £40 billion worth of tax rises.

While changes to stamp duty did form part of her plans, an extension or permanent change to stamp duty relief for movers and first-time buyers was sadly not included. So, what does this mean for those looking to move or buy?

Wh...