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The Financial Conduct Authority (FCA) has launched a consultation on a series of proposed mortgage lending reforms that could significantly change how affordability is assessed across the UK mortgage market. The proposals aim to modernise lending rules and better reflect the realities of today's workforce, particularly for self-employed applicants, borrowers with variable income, older homeowners and individuals with historic credit issues. 英国金融行为监管局（FCA）近期发布了一项重要咨询文件，计划对英国房贷

For years, landlords across England have been preparing for significant reforms to the private rental sector. Following its passage through Parliament, the Renters’ Rights Act 2025 has now become law, with the first major changes taking effect from 1 May 2026. Over the coming years, these reforms will reshape how landlords manage tenancies, regain possession, increase rents and maintain rental properties. 近年来，英国私人租赁市场一直在经历重大改革。随着《2025租客权利法案》（Renters’ Rights Act 2025）正式成为法律，首批

The Bank of England has already reduced the Base Rate from the peak levels reached during the inflation crisis. However, as we enter the second half of 2026, the outlook is no longer driven solely by UK inflation and economic growth. Global developments—including tensions in the Middle East, the ongoing conflict between Russia and Ukraine, and recent signals from the US Federal Reserve—are becoming increasingly important in shaping interest rate expectations worldwide....