Moving Home with Charlie

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 h...

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 las...

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...

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,...

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...

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 v...

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 pl...

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...

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,...

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 stal...

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 ques...

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 vide...

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...

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 update...

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...

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...

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 threshol...

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:...

Rightmove: More Price Falls — this time for first-time buyers. Live Q&A with Charlie. Full livestream: https://www.youtube.com/watch?v=_Dvu1e25Ubc 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:...

5 Fact Friday: Help to Buy Votes coming back? Full livestream: https://www.youtube.com/watch?v=O15KnByzo5U 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 🎥 Pla...

With Housing Stig (audio): state of the market and the threat of a new Help to Buy. Watch the video here: https://youtube.com/live/URsiJXV5ekQ 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.yo...

Watch the video here: https://youtube.com/live/j9c5teHKJC8 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/pl...

This is an edit of Friday's livestream. The full hour is here: https://www.youtube.com/watch?v=lw-u-DYuXNU Financial-market and gilt-yield turbulence is already feeding through to movers. The Lloyds (ex-Halifax) house price index has annual growth trending down for about a year — it was roughly 2.3% year-on-year last August and has now gone below zero — another nudge for sellers to stop belie...

https://mhwc.co.uk/5-fact-friday/5-fact-friday-11th-september-2026/ All my links: https://linktr.ee/movinghomewithcharlie Watch the video here: https://youtube.com/live/lw-u-DYuXNU 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=...

Vicky Spratt is an award winning journalist who campaigns tirelessly on the housing crisis.  We share the objective of affordable homes for everyone.  We don't agree on the role of credit in high house prices. Stig and I discuss. Watch the video here: https://youtube.com/live/zsaYXnR1_4A Vicky's reel on House Prices https://www.instagram.com/reels/DdBwH8fEotG/ All my links: https://linkt...