Plus have your say on how stamp duty changes are rolled out, switch energy supplier in 3 steps so you can turn up the heating in time for the cold spell, unrealistic valuations by estate agents, best mortgage rates and more...

   We made it!

Congratulations! You made it through the first working week of January!

Now let us invite you to gaze into our crystal ball for our predictions for 2016: rising rates, hungover landlords, rampant estate agents and the home style trend for this year.


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2015 was a booming year for house prices and further growth is expected this year

  • House prices rose on average 6.3% in 2015 and 0.5% in December
  • House price growth is expected to continue into 2016, varying between 3% and 6%
  • Improved employment, rising wages and a continuing shortage of new homes, will drive up demand, despite possible interest rate rises later in the year
  • Overall, lending is up - especially Buy to Let loans which increased by 27.4% year on year
  • Government plans to introduce a further 3% stamp duty on Buy-To-Let on top of current stamp duty, which will take the steam out of the sector when it comes into effect on 1st April
Check out the latest House Price Watch
Top Stories

How to protect your home from flooding

Thousands of homes in the UK have been affected by flooding over the past couple of months. We offer some advice on how to protect your home and take a look at what the government are doing to help.

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Stamp Duty Consultation

Have your say on the 3% rise in stamp duty - we take a closer look at the proposed changes and how they will affect homeowners and aspiring buyers.

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House Sale Scam - Protect yourself from property fraud today

We take a look at the steps you can take to protect your property or land from being fraudulently sold or mortgaged.



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Beat the cold!

Temperatures are due to drop next week - switch energy suppliers today, save money and whack up the heating without having to worry!


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Expert Advice & Services

Conveyancing Quotes


Compare quotes from quality conveyancing firms and receive 10% discount as an HOA member!
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Make a successful mortgage application

Whether you're a first time buyer or remortgaging, here's what you need to know
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Do I need a Party Wall agreement?

If you're improving your home, read our guide to find out more about the wall you share with your neighbour
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Making an offer - and haggling over the price

Find out the best tactics to ensure you get the perfect property at the best possible price
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Best mortgage rates


Compare mortgage deals and find the best one for you using our free comparison chart and calculators
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Planning Permission

Whether it's major extension or a small lean-to, use our free virtual tool to quickly check if you need planning permission
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Flattery will get you nowhere

Russell Quirk asks if unrealistic valuations are contributing to the industry's bad reputation
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Self-employed mortgages

Working for yourself and wondering how to get on the property ladder? Here's what you need to know
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Find a tradesman for the job...

TrustMark's database of inspected tradesmen covers a huge range of trades - find the best local tradesman for you
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YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. The Home Owners Alliance Mortgage Service is provided by London & Country Mortgages (L&C), Beazer House, Lower Bristol Road, Bath, BA2 3BA. London & Country are authorised and regulated by the Financial Conduct Authority (registered number: 143002). The FCA does not regulate most Buy to Let mortgages.

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