Changing face of home energy efficiency
Ambitious target aims to make homes warmer, greener, and cheaper to operate New government proposals are set to significantly change the energy efficiency standards for rental properties across England and Wales. As part of its Warm Homes Plan, the government plans to increase the minimum required Energy Performance Certificate (EPC) rating for privately rented homes […]
Should I fix my mortgage for two or five years?
Understanding the trade-offs between short- and medium-term fixed rates For many households, choosing a mortgage is not just about the size of the loan but also about the length of the commitment. One of the most common decisions is whether to fix the interest rate for two years or five. Both options provide stability compared […]
Bank of England cuts base rate to 3.75% as inflation eases
The Monetary Policy Committee (MPC) has voted to reduce the Bank of England base rate from 4.00% to 3.75% at its December meeting — a move widely anticipated by markets. Following last month’s hold, today’s decision was passed by a narrow majority of five votes to four. The remaining members voted to keep rates unchanged […]
Staging your home for a viewing
Creating the right impression can help buyers see a property’s true potential When selling a property, the first impression starts well before a potential buyer steps through the front door. The exterior sets the tone for the entire viewing, influencing whether visitors arrive with optimism or hesitation. Kerb appeal refers to the visual impact of […]
Should I sell my house now?
Timing a sale depends on market conditions, personal goals, and financial readiness Deciding whether to sell a home is rarely a straightforward decision. The housing market is influenced by interest rates, buyer demand, and wider economic conditions, while personal circumstances are equally important. For some households, selling now may offer advantages; for others, waiting could […]
Navigating mortgages as a barrister
Why specialist advice can unlock better outcomes Since 2012, Fitch & Fitch has advised barristers and legal professionals whose finances rarely fit tidy underwriting boxes. For many at the Bar, the challenge is not affordability. It is explaining an irregular and often complex income profile to a system designed for salaried employees. This article looks […]
Barrister Mortgages · Your Questions Answered
A conversation with David Wise, Founder of Fitch & Fitch Q: David, why do you work so closely with barristers on their mortgages? David Wise: We act for a wide range of professionals, but the Bar is a significant part of our client base. Barristers combine three things that make traditional lending tricky. They are […]
Offset mortgages for barristers: making your cash work harder
For many barristers, cash is not the problem. Timing is. Fees arrive in uneven tranches. VAT and tax liabilities build quietly in the background. Large balances sit in current or savings accounts for months at a time, waiting for the next payment on account. In that context, an offset mortgage can be a powerful tool. […]
Second homes near chambers: how barristers can structure the finance
For many barristers, time is the scarce resource. Long commutes, late finishes and early listings can erode family life and productivity. For that reason, a growing number of clients look to acquire a modest second home near chambers, alongside a main residence further out of town. Lenders will support this in the right circumstances. However, […]
The Financial Journey of a Barrister
Introduction · The financial journey of a barrister Beginning pupillage is the start of a demanding yet highly rewarding career. Moving into self-employment is a major transition after years of study and training. It brings new freedoms, but also new responsibilities and financial complexity. This guide is designed to help you navigate that journey. It […]