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         Renters and landlords are facing the biggest shake-up in housing law for more than thirty years after the Government's Renters' Rights Act officially became law 
 If your mortgage deal is coming to an end, your lender may already have contacted you with a new rate. It often looks simple. You log in, click a few buttons, and switch to the next deal. However, before you do that, it is important to ask whether that offer is truly the right one for you. 
 The buy-to-let market continues to evolve. With rental demand remaining strong and borrowing costs higher than in previous years, choosing the right investment property has become a more strategic decision than ever. 
 As the year draws to a close and households prepare for the busy winter months, many people take time to review their finances. Mortgage rates, energy bills and day-to-day costs can all shift throughout the year, making autumn a sensible moment to check whether your financial safety nets are still fit for purpose. All the information in this article is correct as of the date of this email. The opinions expressed in this publication are those of the authors. The information provided in this article, including text, graphics and images does not, and is not intended to, substitute advice; instead, all information, content and materials available in this article are for general informational purposes only. Information in this article may not constitute the most up-to-date legal or other information. This Newsletter is intended for the addressee only and should not be forwarded on.  |