Moving Home with Charlie

5 Fact Friday: the unexpected Budget win for the housing market. Chancellor Healey confirms the Your First Home details and price caps, Zoopla shows annual house price falls spreading across more of the country, the OBR expects house price growth, transactions and housebuilding to slide, and the Bank of England reports even weaker mortgage approvals for September (53,000 against a long-term average of around 66,000). Plus the silver lining of the Budget no one has mentioned, and your questions from the chat. Watch the full stream on YouTube: https://www.youtube.com/watch?v=QSYwoCzscnA Support the show Follow me on X for daily updates: https://x.com/moving_charlie 🎥 Charlie's Golden rules videos for Buyers: https://www.youtube.com/watch?v=h6T-uZ28a80 Sellers: https://www.youtube.com/watch?v=W9oR28aWLOs Offering: https://www.youtube.com/watch?v=iZaDs7uZ5Hw 🎥 Playlist of FTB advice - https://www.youtube.com/playlist?list=PLKomt2RI3JYnJ3imNEWjKGkszf_bzqDfe 📧 E-mail template for cash offers - https://mhwc.co.uk/email-templates/suggested-email-offer-template-for-cash-buyers/ 📧 E-mail template for FTB mortgaged offers - https://mhwc.co.uk/suggested-email-template-for-first-time-buyers-making-an-offer-with-a-mortgage/ 💰Speak to Charlie’s recommended mortgage brokers - https://mhwc.co.uk/mortgage/ 🧑‍⚖️ Get a quote from Charlie’s recommended conveyancers - https://mhwc.co.uk/conveyancing/ ...

Two days before the Budget, I went live to fill in our Budget Bingo cards. I started with the numbers behind it: the government is spending nearly a billion pounds a day on welfare, and public spending is around 45% of GDP, which is why I expect a long list of small, headline-friendly announcements designed not to spook the bond markets. Then I went through the housing measures that have been trailed: the "Your First Home" 20% equity loan for first-time buyers (which I think is a terrible idea), more money for social and affordable homes, rough sleeping funding, stamp duty, the £2 million mansion tax threshold and the market distortion it has already caused, capital gains tax, National Insurance on rental income and a land value tax. I also answered your questions, from long mortgage fixes and pulling out when a better home comes along, to why first-time buyers get seen as time-wasters, why going live on Boxing Day is a bad idea, and renegotiating before exchange. Housing Stig and I will be reacting to the Budget live at 12:30pm on Wednesday 28 October. Watch the full stream on YouTube: https://www.youtube.com/watch?v=ciAFrWD5XxI Support the show Follow me on X for daily updates: https://x.com/moving_charlie 🎥 Charlie's Golden rules videos for Buyers: https://www.youtube.com/watch?v=h6T-uZ28a80 Sellers: https://www.youtube.com/watch?v=W9oR28aWLOs Offering: https://www.youtube.com/watch?v=iZaDs7uZ5Hw 🎥 Playlist of FTB advice - https://www.youtube.com/playlist?list=PLKomt2RI3JYnJ3imNEWjKGkszf_bzqDfe 📧 E-mail template for cash offers - https://mhwc.co.uk/email-templates/suggested-email-offer-template-for-cash-buyers/ 📧 E-mail template for FTB mortgaged offers - https://mhwc.co.uk/suggested-email-template-for-first-time-buyers-making-an-offer-with-a-mortgage/ 💰Speak to Charlie’s recommended mortgage brokers - https://mhwc.co.uk/mortgage/ 🧑‍⚖️ Get a quote from Charlie’s recommended conveyancers - https://mhwc.co.uk/conveyancing/ ...

Inflation is up, with CPI at 3.5% for September and a November rate rise looking nailed on. Government borrowing is running far beyond forecast, a record for September apart from Covid, with total debt past £3 trillion, which unsettles the bond market and mortgage rates. Job vacancies fell 21,000 to 691,000, the lowest since 2014, with unemployment at 4.7% and Barclays cutting 5,000 jobs. 41% of homes for sale in England have had a price cut, as sellers chase the market down. Mortgage deals now last just 13 days before they're pulled or repriced, so get your mortgage offer locked in. Bonus: most first-time buyers now pay more on their mortgage than they did in rent, even before maintenance costs. Sources for every fact: https://mhwc.co.uk/blog/5-fact-friday-23rd-october-2026/ Watch the full livestream: https://www.youtube.com/watch?v=PKPnBiqJ5LE Support the show Follow me on X for daily updates: https://x.com/moving_charlie 🎥 Charlie's Golden rules videos for Buyers: https://www.youtube.com/watch?v=h6T-uZ28a80 Sellers: https://www.youtube.com/watch?v=W9oR28aWLOs Offering: https://www.youtube.com/watch?v=iZaDs7uZ5Hw 🎥 Playlist of FTB advice - https://www.youtube.com/playlist?list=PLKomt2RI3JYnJ3imNEWjKGkszf_bzqDfe 📧 E-mail template for cash offers - https://mhwc.co.uk/email-templates/suggested-email-offer-template-for-cash-buyers/ 📧 E-mail template for FTB mortgaged offers - https://mhwc.co.uk/suggested-email-template-for-first-time-buyers-making-an-offer-with-a-mortgage/ 💰Speak to Charlie’s recommended mortgage brokers - https://mhwc.co.uk/mortgage/ 🧑‍⚖️ Get a quote from Charlie’s recommended conveyancers - https://mhwc.co.uk/conveyancing/ ...

5 Fact Friday for 23 October 2026. 41% of homes for sale in England have now had a price cut, two in five sellers chasing the market down, but are they too late? Plus inflation up to 3.5% in September pushing rates higher, government borrowing of £24.5bn in September with total debt now over £3 trillion, job vacancies down to 691,000 with unemployment at 4.7%, and the average mortgage deal now lasting just 13 days compared with 43 in 2019. Live questions from viewers too. Links to all sources: https://mhwc.co.uk/5-fact-friday/5-fact-friday-23rd-october-2026/ Watch the full stream on YouTube: https://www.youtube.com/watch?v=PKPnBiqJ5LE Support the show Follow me on X for daily updates: https://x.com/moving_charlie 🎥 Charlie's Golden rules videos for Buyers: https://www.youtube.com/watch?v=h6T-uZ28a80 Sellers: https://www.youtube.com/watch?v=W9oR28aWLOs Offering: https://www.youtube.com/watch?v=iZaDs7uZ5Hw 🎥 Playlist of FTB advice - https://www.youtube.com/playlist?list=PLKomt2RI3JYnJ3imNEWjKGkszf_bzqDfe 📧 E-mail template for cash offers - https://mhwc.co.uk/email-templates/suggested-email-offer-template-for-cash-buyers/ 📧 E-mail template for FTB mortgaged offers - https://mhwc.co.uk/suggested-email-template-for-first-time-buyers-making-an-offer-with-a-mortgage/ 💰Speak to Charlie’s recommended mortgage brokers - https://mhwc.co.uk/mortgage/ 🧑‍⚖️ Get a quote from Charlie’s recommended conveyancers - https://mhwc.co.uk/conveyancing/ ...

One week until the Budget, I went live to take your questions. I started with the latest borrowing figures: the government borrowed another £24.5 billion in September, and interest on our national debt is now £11 billion a month, which is more than it would cost to scrap stamp duty on main homes for a whole year. With inflation up again and a base rate rise likely in November, uncertainty is only going one way, so I set out exactly what I would do right now to make a move more certain as a seller, as a buyer, and as someone doing both. Then I answered your questions from the chat, from whether we'll see anything done to stamp duty in the Budget to the best time of year to make an offer in a buyers' market. Housing Stig and I will be reacting to the Budget live at 12:30pm on Wednesday 28 October. Watch the full stream on YouTube: https://www.youtube.com/watch?v=BpVkpPg7Bbc Support the show Follow me on X for daily updates: https://x.com/moving_charlie 🎥 Charlie's Golden rules videos for Buyers: https://www.youtube.com/watch?v=h6T-uZ28a80 Sellers: https://www.youtube.com/watch?v=W9oR28aWLOs Offering: https://www.youtube.com/watch?v=iZaDs7uZ5Hw 🎥 Playlist of FTB advice - https://www.youtube.com/playlist?list=PLKomt2RI3JYnJ3imNEWjKGkszf_bzqDfe 📧 E-mail template for cash offers - https://mhwc.co.uk/email-templates/suggested-email-offer-template-for-cash-buyers/ 📧 E-mail template for FTB mortgaged offers - https://mhwc.co.uk/suggested-email-template-for-first-time-buyers-making-an-offer-with-a-mortgage/ 💰Speak to Charlie’s recommended mortgage brokers - https://mhwc.co.uk/mortgage/ 🧑‍⚖️ Get a quote from Charlie’s recommended conveyancers - https://mhwc.co.uk/conveyancing/ ...

Tonight I went live on Rightmove's u-turn on house prices. After months of headlines about record asking prices, Rightmove now says September 2026 was the busiest month for asking price reductions since 2011, with just over 3,000 listings a day being cut, and that homes priced competitively from the start sell far faster. I explained why that message comes too late for many sellers this year, why buyers set prices, why overpricing pushes buyers away for good, and whether now is a good time to buy. Then I took your questions from the chat, from sellers who've been stuck on the market for months to buyers deciding how much to offer. Watch the full stream on YouTube: https://www.youtube.com/watch?v=lD9ZO1hOr3M Support the show Follow me on X for daily updates: https://x.com/moving_charlie 🎥 Charlie's Golden rules videos for Buyers: https://www.youtube.com/watch?v=h6T-uZ28a80 Sellers: https://www.youtube.com/watch?v=W9oR28aWLOs Offering: https://www.youtube.com/watch?v=iZaDs7uZ5Hw 🎥 Playlist of FTB advice - https://www.youtube.com/playlist?list=PLKomt2RI3JYnJ3imNEWjKGkszf_bzqDfe 📧 E-mail template for cash offers - https://mhwc.co.uk/email-templates/suggested-email-offer-template-for-cash-buyers/ 📧 E-mail template for FTB mortgaged offers - https://mhwc.co.uk/suggested-email-template-for-first-time-buyers-making-an-offer-with-a-mortgage/ 💰Speak to Charlie’s recommended mortgage brokers - https://mhwc.co.uk/mortgage/ 🧑‍⚖️ Get a quote from Charlie’s recommended conveyancers - https://mhwc.co.uk/conveyancing/ ...

Sources for every fact: https://mhwc.co.uk/blog/5-fact-friday-16th-october-2026/ Mortgage rates are still climbing, with five-year fixes averaging 6% and two-year fixes almost 6%, and the gap between the asking price of listings and the asking price of homes that sell is 17.8%. Viewings per property have halved in two years. Connells found sellers with upfront search packs had 43% fewer fall-throughs and exchanged 37% faster. The gap between new listings and agreed sales hit a 12-month high, with September listings up 15% and agreed sales down 16%. Average advertised rents passed £1,400 a month for the first time, with London around £2,800. Bonus: 470 more buildings have completed cladding remediation, but it's far too slow. Watch the full livestream: https://www.youtube.com/watch?v=dDkFh1DFZIo Support the show Follow me on X for daily updates: https://x.com/moving_charlie 🎥 Charlie's Golden rules videos for Buyers: https://www.youtube.com/watch?v=h6T-uZ28a80 Sellers: https://www.youtube.com/watch?v=W9oR28aWLOs Offering: https://www.youtube.com/watch?v=iZaDs7uZ5Hw 🎥 Playlist of FTB advice - https://www.youtube.com/playlist?list=PLKomt2RI3JYnJ3imNEWjKGkszf_bzqDfe 📧 E-mail template for cash offers - https://mhwc.co.uk/email-templates/suggested-email-offer-template-for-cash-buyers/ 📧 E-mail template for FTB mortgaged offers - https://mhwc.co.uk/suggested-email-template-for-first-time-buyers-making-an-offer-with-a-mortgage/ 💰Speak to Charlie’s recommended mortgage brokers - https://mhwc.co.uk/mortgage/ 🧑‍⚖️ Get a quote from Charlie’s recommended conveyancers - https://mhwc.co.uk/conveyancing/ ...

5 Fact Friday: the housing market is in "Limp Mode", with listings backing up into a jam. Five facts on what's happening in the UK property market right now, plus your questions from the chat. Watch the full stream on YouTube: https://www.youtube.com/watch?v=dDkFh1DFZIo Support the show Follow me on X for daily updates: https://x.com/moving_charlie 🎥 Charlie's Golden rules videos for Buyers: https://www.youtube.com/watch?v=h6T-uZ28a80 Sellers: https://www.youtube.com/watch?v=W9oR28aWLOs Offering: https://www.youtube.com/watch?v=iZaDs7uZ5Hw 🎥 Playlist of FTB advice - https://www.youtube.com/playlist?list=PLKomt2RI3JYnJ3imNEWjKGkszf_bzqDfe 📧 E-mail template for cash offers - https://mhwc.co.uk/email-templates/suggested-email-offer-template-for-cash-buyers/ 📧 E-mail template for FTB mortgaged offers - https://mhwc.co.uk/suggested-email-template-for-first-time-buyers-making-an-offer-with-a-mortgage/ 💰Speak to Charlie’s recommended mortgage brokers - https://mhwc.co.uk/mortgage/ 🧑‍⚖️ Get a quote from Charlie’s recommended conveyancers - https://mhwc.co.uk/conveyancing/ ...

Tonight's live was a little different: a first-of-its-kind update on BestAgent, the home moving marketplace built to halve transaction times and fall-throughs. I went through the seven groups of people involved, from the advisory board, exec team and platform partners to estate agents and the BestAgent Club, home movers, the media and chip holders, then shared some facts and figures on the platform's scale today: around 4,000 registered movers, 1.1 million properties in the system and 43 applications working together behind the scenes. I finished with a couple of your questions from the chat. Normal service resumes with 5 Fact Friday. Watch the full stream on YouTube: https://www.youtube.com/watch?v=jrw2W90EImg Support the show Follow me on X for daily updates: https://x.com/moving_charlie 🎥 Charlie's Golden rules videos for Buyers: https://www.youtube.com/watch?v=h6T-uZ28a80 Sellers: https://www.youtube.com/watch?v=W9oR28aWLOs Offering: https://www.youtube.com/watch?v=iZaDs7uZ5Hw 🎥 Playlist of FTB advice - https://www.youtube.com/playlist?list=PLKomt2RI3JYnJ3imNEWjKGkszf_bzqDfe 📧 E-mail template for cash offers - https://mhwc.co.uk/email-templates/suggested-email-offer-template-for-cash-buyers/ 📧 E-mail template for FTB mortgaged offers - https://mhwc.co.uk/suggested-email-template-for-first-time-buyers-making-an-offer-with-a-mortgage/ 💰Speak to Charlie’s recommended mortgage brokers - https://mhwc.co.uk/mortgage/ 🧑‍⚖️ Get a quote from Charlie’s recommended conveyancers - https://mhwc.co.uk/conveyancing/ ...

Tonight I went live on how to buy in a buyers' market - why now could be the best time to bag a bargain, how to use your negotiating power, and your live Q&A from the chat. Thanks to everyone who joined in. Watch the full stream on YouTube: https://www.youtube.com/watch?v=ufFRTa3hfxM Support the show Follow me on X for daily updates: https://x.com/moving_charlie 🎥 Charlie's Golden rules videos for Buyers: https://www.youtube.com/watch?v=h6T-uZ28a80 Sellers: https://www.youtube.com/watch?v=W9oR28aWLOs Offering: https://www.youtube.com/watch?v=iZaDs7uZ5Hw 🎥 Playlist of FTB advice - https://www.youtube.com/playlist?list=PLKomt2RI3JYnJ3imNEWjKGkszf_bzqDfe 📧 E-mail template for cash offers - https://mhwc.co.uk/email-templates/suggested-email-offer-template-for-cash-buyers/ 📧 E-mail template for FTB mortgaged offers - https://mhwc.co.uk/suggested-email-template-for-first-time-buyers-making-an-offer-with-a-mortgage/ 💰Speak to Charlie’s recommended mortgage brokers - https://mhwc.co.uk/mortgage/ 🧑‍⚖️ Get a quote from Charlie’s recommended conveyancers - https://mhwc.co.uk/conveyancing/ ...

Sources for every fact: https://mhwc.co.uk/blog/5-fact-friday-9th-october-2026/ Five-year fixed mortgage rates hit 6%, making moving harder, slower and more prone to fall-throughs. Kemi Badenoch and the Tories plan to abolish stamp duty on all primary residences. Some first-time buyers could need a deposit of just £3,600 under Your First Home, which means up to 97.5% debt on a home that could lose 16% of its value the day you move in. The RICS survey shows agents expect slow, low transactions for the next twelve months and falling prices in every area bar Scotland and Northern Ireland. Land Registry completed prices show London down 9.8% in a year, detached homes in London down 18% and in the South East down 10%, and England and Wales down 4%. Watch the full livestream: https://www.youtube.com/watch?v=wFkiwh1msVg Support the show Follow me on X for daily updates: https://x.com/moving_charlie 🎥 Charlie's Golden rules videos for Buyers: https://www.youtube.com/watch?v=h6T-uZ28a80 Sellers: https://www.youtube.com/watch?v=W9oR28aWLOs Offering: https://www.youtube.com/watch?v=iZaDs7uZ5Hw 🎥 Playlist of FTB advice - https://www.youtube.com/playlist?list=PLKomt2RI3JYnJ3imNEWjKGkszf_bzqDfe 📧 E-mail template for cash offers - https://mhwc.co.uk/email-templates/suggested-email-offer-template-for-cash-buyers/ 📧 E-mail template for FTB mortgaged offers - https://mhwc.co.uk/suggested-email-template-for-first-time-buyers-making-an-offer-with-a-mortgage/ 💰Speak to Charlie’s recommended mortgage brokers - https://mhwc.co.uk/mortgage/ 🧑‍⚖️ Get a quote from Charlie’s recommended conveyancers - https://mhwc.co.uk/conveyancing/ ...

5 Fact Friday for 9 October 2026. Average five-year fixes have hit 6% for the first time in three years, and sub-5% deals have all but vanished (1,494 at the start of September, 9 now). Plus Kemi Badenoch's pledge to scrap stamp duty on main homes, the Your First Home scheme and its sub-£3,600 deposits on new builds, the RICS survey showing fewer buyers and more sellers, and house prices stalling and falling faster than the averages suggest. Live questions from viewers too. Links to all sources: https://mhwc.co.uk/5-fact-friday/5-fact-friday-9th-october-2026/ Watch the full stream on YouTube: https://www.youtube.com/watch?v=wFkiwh1msVg Support the show Follow me on X for daily updates: https://x.com/moving_charlie 🎥 Charlie's Golden rules videos for Buyers: https://www.youtube.com/watch?v=h6T-uZ28a80 Sellers: https://www.youtube.com/watch?v=W9oR28aWLOs Offering: https://www.youtube.com/watch?v=iZaDs7uZ5Hw 🎥 Playlist of FTB advice - https://www.youtube.com/playlist?list=PLKomt2RI3JYnJ3imNEWjKGkszf_bzqDfe 📧 E-mail template for cash offers - https://mhwc.co.uk/email-templates/suggested-email-offer-template-for-cash-buyers/ 📧 E-mail template for FTB mortgaged offers - https://mhwc.co.uk/suggested-email-template-for-first-time-buyers-making-an-offer-with-a-mortgage/ 💰Speak to Charlie’s recommended mortgage brokers - https://mhwc.co.uk/mortgage/ 🧑‍⚖️ Get a quote from Charlie’s recommended conveyancers - https://mhwc.co.uk/conveyancing/ ...

Tonight I set out the next stage of BestAgent's plan to fix the housing market. Most sellers have roughly a 50/50 chance of their agent actually selling, and that data is kept hidden, so BestAgent will publish a benchmark score and badge based on how many listings exchange and how long it takes, alongside the new BestAgent Club for agents who want to work the better way. I also took your questions on preparedness, "offers over" listings, relaunching a stuck property and the sellers pack we're putting together. Watch the full stream on YouTube: https://www.youtube.com/watch?v=kVle3XUMq6g Support the show Follow me on X for daily updates: https://x.com/moving_charlie 🎥 Charlie's Golden rules videos for Buyers: https://www.youtube.com/watch?v=h6T-uZ28a80 Sellers: https://www.youtube.com/watch?v=W9oR28aWLOs Offering: https://www.youtube.com/watch?v=iZaDs7uZ5Hw 🎥 Playlist of FTB advice - https://www.youtube.com/playlist?list=PLKomt2RI3JYnJ3imNEWjKGkszf_bzqDfe 📧 E-mail template for cash offers - https://mhwc.co.uk/email-templates/suggested-email-offer-template-for-cash-buyers/ 📧 E-mail template for FTB mortgaged offers - https://mhwc.co.uk/suggested-email-template-for-first-time-buyers-making-an-offer-with-a-mortgage/ 💰Speak to Charlie’s recommended mortgage brokers - https://mhwc.co.uk/mortgage/ 🧑‍⚖️ Get a quote from Charlie’s recommended conveyancers - https://mhwc.co.uk/conveyancing/ ...

Tonight I went live on mortgage rates topping 6% - five-year fixes breaking the barrier, what that means for buyers and remortgagers, and your live Q&A from the chat. Thanks to everyone who joined in. Watch the full stream on YouTube: https://www.youtube.com/watch?v=_PTNAHRdamE Support the show Follow me on X for daily updates: https://x.com/moving_charlie 🎥 Charlie's Golden rules videos for Buyers: https://www.youtube.com/watch?v=h6T-uZ28a80 Sellers: https://www.youtube.com/watch?v=W9oR28aWLOs Offering: https://www.youtube.com/watch?v=iZaDs7uZ5Hw 🎥 Playlist of FTB advice - https://www.youtube.com/playlist?list=PLKomt2RI3JYnJ3imNEWjKGkszf_bzqDfe 📧 E-mail template for cash offers - https://mhwc.co.uk/email-templates/suggested-email-offer-template-for-cash-buyers/ 📧 E-mail template for FTB mortgaged offers - https://mhwc.co.uk/suggested-email-template-for-first-time-buyers-making-an-offer-with-a-mortgage/ 💰Speak to Charlie’s recommended mortgage brokers - https://mhwc.co.uk/mortgage/ 🧑‍⚖️ Get a quote from Charlie’s recommended conveyancers - https://mhwc.co.uk/conveyancing/ ...

Sources for every fact: https://mhwc.co.uk/blog/5-fact-friday-2nd-october-2026/ Mortgage approvals crashed 19% month on month (Bank of England, non-seasonally adjusted), while HMRC completed transactions fell 11% July to August. Your First Home offers 2.5% deposits and taxpayer equity loans on new builds — housebuilder shares jumped about 15% before falling back, and buyers risk negative equity from day one. Average fixes hit about 5.93% (two-year) and 5.94% (five-year), the five-year highest since October 2023. Zoopla finds a quarter of homes listed in the past month were on the market in the last year, and six in 10 came back cheaper. Mandatory licensing and qualifications for estate agents won't fix overvaluing or long sole-agency tie-ins. Watch the full livestream: https://www.youtube.com/watch?v=TSzQosTJGWY Support the show Follow me on X for daily updates: https://x.com/moving_charlie 🎥 Charlie's Golden rules videos for Buyers: https://www.youtube.com/watch?v=h6T-uZ28a80 Sellers: https://www.youtube.com/watch?v=W9oR28aWLOs Offering: https://www.youtube.com/watch?v=iZaDs7uZ5Hw 🎥 Playlist of FTB advice - https://www.youtube.com/playlist?list=PLKomt2RI3JYnJ3imNEWjKGkszf_bzqDfe 📧 E-mail template for cash offers - https://mhwc.co.uk/email-templates/suggested-email-offer-template-for-cash-buyers/ 📧 E-mail template for FTB mortgaged offers - https://mhwc.co.uk/suggested-email-template-for-first-time-buyers-making-an-offer-with-a-mortgage/ 💰Speak to Charlie’s recommended mortgage brokers - https://mhwc.co.uk/mortgage/ 🧑‍⚖️ Get a quote from Charlie’s recommended conveyancers - https://mhwc.co.uk/conveyancing/ ...

5 Fact Friday live with Housing Stig: mortgage approvals down 19% in a month, the new "Your First Home" 2.5% deposit scheme for new builds, average fixes nearing 6%, a quarter of new listings back on the market (six in 10 cheaper), and licences for estate agents. Watch the full stream on YouTube: https://www.youtube.com/watch?v=TSzQosTJGWY Support the show Follow me on X for daily updates: https://x.com/moving_charlie 🎥 Charlie's Golden rules videos for Buyers: https://www.youtube.com/watch?v=h6T-uZ28a80 Sellers: https://www.youtube.com/watch?v=W9oR28aWLOs Offering: https://www.youtube.com/watch?v=iZaDs7uZ5Hw 🎥 Playlist of FTB advice - https://www.youtube.com/playlist?list=PLKomt2RI3JYnJ3imNEWjKGkszf_bzqDfe 📧 E-mail template for cash offers - https://mhwc.co.uk/email-templates/suggested-email-offer-template-for-cash-buyers/ 📧 E-mail template for FTB mortgaged offers - https://mhwc.co.uk/suggested-email-template-for-first-time-buyers-making-an-offer-with-a-mortgage/ 💰Speak to Charlie’s recommended mortgage brokers - https://mhwc.co.uk/mortgage/ 🧑‍⚖️ Get a quote from Charlie’s recommended conveyancers - https://mhwc.co.uk/conveyancing/ ...

Tonight I went live to talk about mortgage approvals collapsing 19% in one month - the Bank of England's August figures against July - what that tells us about where the market is heading, and then took your moving questions in a live Q&A. Thanks to everyone who joined in the chat. Watch the full stream on YouTube: https://www.youtube.com/watch?v=dkklOaUs-H8 Support the show Follow me on X for daily updates: https://x.com/moving_charlie 🎥 Charlie's Golden rules videos for Buyers: https://www.youtube.com/watch?v=h6T-uZ28a80 Sellers: https://www.youtube.com/watch?v=W9oR28aWLOs Offering: https://www.youtube.com/watch?v=iZaDs7uZ5Hw 🎥 Playlist of FTB advice - https://www.youtube.com/playlist?list=PLKomt2RI3JYnJ3imNEWjKGkszf_bzqDfe 📧 E-mail template for cash offers - https://mhwc.co.uk/email-templates/suggested-email-offer-template-for-cash-buyers/ 📧 E-mail template for FTB mortgaged offers - https://mhwc.co.uk/suggested-email-template-for-first-time-buyers-making-an-offer-with-a-mortgage/ 💰Speak to Charlie’s recommended mortgage brokers - https://mhwc.co.uk/mortgage/ 🧑‍⚖️ Get a quote from Charlie’s recommended conveyancers - https://mhwc.co.uk/conveyancing/ ...

Tonight I went live to weigh up the pros and cons of "your first home" - what really matters when you're buying your first place, where people get caught out, and what I'd think about before committing. Thanks to everyone who joined in the chat. Watch the full stream on YouTube: https://www.youtube.com/watch?v=uwmc6_OTZkk Support the show Follow me on X for daily updates: https://x.com/moving_charlie 🎥 Charlie's Golden rules videos for Buyers: https://www.youtube.com/watch?v=h6T-uZ28a80 Sellers: https://www.youtube.com/watch?v=W9oR28aWLOs Offering: https://www.youtube.com/watch?v=iZaDs7uZ5Hw 🎥 Playlist of FTB advice - https://www.youtube.com/playlist?list=PLKomt2RI3JYnJ3imNEWjKGkszf_bzqDfe 📧 E-mail template for cash offers - https://mhwc.co.uk/email-templates/suggested-email-offer-template-for-cash-buyers/ 📧 E-mail template for FTB mortgaged offers - https://mhwc.co.uk/suggested-email-template-for-first-time-buyers-making-an-offer-with-a-mortgage/ 💰Speak to Charlie’s recommended mortgage brokers - https://mhwc.co.uk/mortgage/ 🧑‍⚖️ Get a quote from Charlie’s recommended conveyancers - https://mhwc.co.uk/conveyancing/ ...

Sources for every fact: https://mhwc.co.uk/5-fact-friday/5-fact-friday-25th-september-2026/ Deal times have hit a record: PropertyMark's latest survey has more than half of estate agents reporting deals taking over 17 weeks from agreed offer to exchange. That's the first time since they started measuring in 2015, and it backs up the warning that every force acting on the market this year would make moving harder. Fact one: Labour is considering lowering the mansion tax threshold from £2 million to £1.5 million. The £2m threat alone has already caused a cliff-edge drop in sales above the line and a bunching just below it, which distorts pricing all the way down the chain. A flat proportional property tax that replaced stamp duty would do far less damage. Fact two: Rightmove shows first-time buyer asking prices falling both month on month and year on year, national asking prices down about 1.8% year on year (a leading indicator), and buyer enquiries down 9%. That's good news for first-time buyers, who get more choice and less competition, but rising mortgage rates and youth unemployment are hitting that cohort hardest. Fact three: government borrowing is only down year to date because tax receipts are up, and spending is £7 billion over the OBR forecast. The gilt market punishes that with higher yields, which feed into higher mortgage rates, smaller buyer budgets and slower transactions. Fact four: PropertyMark reports transaction times at a record high. The root causes are agents overvaluing homes to win instructions, a proptech industry built to support that overvaluing, and poor conveyancing, and nothing in the government's plans tackles any of them. Fact five: BestAgent now lists more homes for sale in England and Wales than Rightmove, because Rightmove only carries agents who pay its subscription. Watch the full livestream: https://www.youtube.com/watch?v=ChY2hHhzgnM Support the show Follow me on X for daily updates: https://x.com/moving_charlie 🎥 Charlie's Golden rules videos for Buyers: https://www.youtube.com/watch?v=h6T-uZ28a80 Sellers: https://www.youtube.com/watch?v=W9oR28aWLOs Offering: https://www.youtube.com/watch?v=iZaDs7uZ5Hw 🎥 Playlist of FTB advice - https://www.youtube.com/playlist?list=PLKomt2RI3JYnJ3imNEWjKGkszf_bzqDfe 📧 E-mail template for cash offers - https://mhwc.co.uk/email-templates/suggested-email-offer-template-for-cash-buyers/ 📧 E-mail template for FTB mortgaged offers - https://mhwc.co.uk/suggested-email-template-for-first-time-buyers-making-an-offer-with-a-mortgage/ 💰Speak to Charlie’s recommended mortgage brokers - https://mhwc.co.uk/mortgage/ 🧑‍⚖️ Get a quote from Charlie’s recommended conveyancers - https://mhwc.co.uk/conveyancing/ ...

5 Fact Friday: the housing market approaches peak pain as deal times reach a record high. Full livestream: https://www.youtube.com/watch?v=ChY2hHhzgnM Support the show Follow me on X for daily updates: https://x.com/moving_charlie 🎥 Charlie's Golden rules videos for Buyers: https://www.youtube.com/watch?v=h6T-uZ28a80 Sellers: https://www.youtube.com/watch?v=W9oR28aWLOs Offering: https://www.youtube.com/watch?v=iZaDs7uZ5Hw 🎥 Playlist of FTB advice - https://www.youtube.com/playlist?list=PLKomt2RI3JYnJ3imNEWjKGkszf_bzqDfe 📧 E-mail template for cash offers - https://mhwc.co.uk/email-templates/suggested-email-offer-template-for-cash-buyers/ 📧 E-mail template for FTB mortgaged offers - https://mhwc.co.uk/suggested-email-template-for-first-time-buyers-making-an-offer-with-a-mortgage/ 💰Speak to Charlie’s recommended mortgage brokers - https://mhwc.co.uk/mortgage/ 🧑‍⚖️ Get a quote from Charlie’s recommended conveyancers - https://mhwc.co.uk/conveyancing/ ...