Moving Home with Charlie

The Chancellor has confirmed Your First Home, with price caps that make it mostly only viable in the North, and negative equity inbound for most first-time buyers who take it. Zoopla shows house price inflation at just 0.8%, with 35% of homes in areas with annual price falls, 7% more homes for sale and sales agreed down 7%. Even the OBR now expects house price growth and transactions to slide. The Bank of England reports September mortgage approvals were even worse than August, well below the long-term average of 66,000 a month. The OBR says housing delivery will fall to 229,000 this year and keep falling...

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

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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 m...

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 t...

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

Su...

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 bo...

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...

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 co...

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

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🎥 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...

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...

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

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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.youtu...

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 s...

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=w...

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=kVle3...

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

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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...

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 ag...

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

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🎥 Charlie's Golden rules videos for

Buyers: https://www.youtube.com/watch?v=h6T-uZ28a80 

Sellers: https://www.youtube.com/watch?v=W9o...

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

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🎥 Charlie's Golden rules videos for

Buyers: https://www.youtube.com/watch?v=h6T-uZ...

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

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🎥 Charlie's Golden rules videos for

Buyers: https://www.youtube.com/watch?v=h6T-uZ28a80 

Sellers: https://www.y...

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, whi...

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/playl...

Rightmove: More Price Falls — this time for first-time buyers. Live Q&A with Charlie.

Full livestream: https://www.youtube.com/watch?v=_Dvu1e25Ubc

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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/playlis...

5 Fact Friday: Help to Buy Votes coming back?

Full livestream: https://www.youtube.com/watch?v=O15KnByzo5U

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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=PLKomt2RI3JYnJ3imNEWjKGk...

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.youtube.com/watch?v=iZaDs7uZ5Hw

🎥 Playlist of FTB advice - https://www.youtu...

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/playlist?list=PLKomt2RI3JYnJ3imNEWjKGkszf_bzqDfe

📧 E-mail template for cash offers - https://mhwc...

Sources for every fact: https://mhwc.co.uk/5-fact-friday/5-fact-friday-11th-september-2026/

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 believing prices only go up and to price to sell. Five lenders (Barclays, Santander, Skipton, TSB and Nottingham) hiked fixed mort...

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=W9oR28aWLOs 

Offering: https://www.youtube.com/watch?v=iZaDs7uZ5Hw

🎥 Playlist of FTB advice - https://www.youtube.com/playl...

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://linktr.ee/movinghomewithcharlie

Support the show

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Tonight: your moving questions — mark them Question in the live chat.

Leading with today's Lloyds House Price Index: first annual UK house price fall since November 2023. August −0.2% month, −0.4% year, average £298,468.
https://propertyindustryeye.com/house-prices-latest-data-reveals-direction-of-uk-market/

Also: BestAgent listings now show HM Land Registry Local Land Charges data.
https://bestagent.property

All my links: https://linktr.ee/movinghomewithcharlie

Watch the livestream: https://www.youtube.com/watch?v=TMc26Uk5CgM

Support the show

Follow me on X for daily updates: https://x.com/moving_charlie 

🎥 Charlie's G...

https://mhwc.co.uk/5-fact-friday/pre-budget-bond-market-panic-hits-mortgage-rates/

All my links: https://linktr.ee/movinghomewithcharlie

🎥 Golden rules of home buying - https://www.youtube.com/watch?v=h6T-uZ28a80
🎥 Golden rules of home selling -https://www.youtube.com/watch?v=W9oR28aWLOs
🎥 Golden rules of offering on a home -https://www.youtube.com/watch?v=iZaDs7uZ5Hw&t=78s 
🎥 Must-watch First Time Buyer 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 mortgag...

Damian King is an ex-estate agent who has now bravely revealed all the corruption he witnessed in his book. Order it on Amazon here: https://amzn.eu/d/0guHYucE

Watch the video here: https://youtube.com/live/JcksJnCanNE

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...

It's almost 'back to school' time. Bring your moving questions! Mark them Question in the live chat.

Friday's facts in your inbox:
https://mhwc.co.uk/newsletter

If you want a personal reply from me:
Movers club (written replies, cancel anytime): https://buymeacoffee.com/mhwc/membership
Private video call: https://www.buymeacoffee.com/mhwc/extras

Start here if you are new:
https://www.youtube.com/playlist?list=PLYzwOTvItq78

Charlie's Golden Rules:
https://www.youtube.com/playlist?list=PLR0QaLdpWgs8

Offer email templates:
With...

https://mhwc.co.uk/5-fact-friday/5-fact-friday-28th-august-2026/

All my links: https://linktr.ee/movinghomewithcharlie

Watch the video here: https://youtube.com/live/XF4aTzk80T4

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.youtu...

The BBC clip I'm reacting to: https://youtu.be/zAvnHgYaNn4

Ask live. Mark your question "Question".

https://linktr.ee/movinghomewithcharlie

Watch the video here: https://youtube.com/live/fL0j4uzsT_o

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

Tonight: record-low graduate job vacancies as a leading indicator of future housing-market weakness. No job, no home.

https://www.lbc.co.uk/article/graduates-facing-worst-jobs-market-on-record-5HjdgS4_2/

https://commonslibrary.parliament.uk/research-briefings/sn05871/

https://linktr.ee/movinghomewithcharlie

Watch the video here: https://youtube.com/live/YayIEfVgdgk

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=W9oR2...

All Fact Links: https://mhwc.co.uk/5-fact-friday/5-fact-friday-20th-august-2026/

🎥 Golden rules of home buying - https://www.youtube.com/watch?v=h6T-uZ28a80
🎥 Golden rules of home selling -https://www.youtube.com/watch?v=W9oR28aWLOs
🎥 Golden rules of offering on a home -https://www.youtube.com/watch?v=iZaDs7uZ5Hw&t=78s 
🎥 Must-watch First Time Buyer 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/ 

Support the show

Follow me on X fo...

Wednesday Weekly Workshop. Special topic tonight: Help to Buy.

Housebuilders want it brought back. I have been saying all week why that is a bad idea. You cannot make homes more affordable by giving people more money to spend on them. We already ran this experiment. It inflated prices and left people in negative equity. Learn from it. Do not repeat it.

This week's coverage: https://thenegotiator.co.uk/news/uk-housing-market-news/new-calls-emerge-to-revive-help-to-buy/

Bring your questions. Mark them Question in the live chat.

Everything else is here: https://linktr.ee/movinghomewithcharlie
<...

https://www.rightmove.co.uk/news/content/uploads/2026/08/Rightmove-HPI-17th-August-2026.pdf

All my links: https://linktr.ee/movinghomewithcharlie

Watch the video here: https://youtube.com/live/S00_jBx4PEg

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 advic...

https://mhwc.co.uk/5-fact-friday/5-fact-friday-14th-august-2026/

All my links: https://linktr.ee/movinghomewithcharlie

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...

https://www.telegraph.co.uk/business/2026/05/31/britains-housing-wealth-is-in-danger-of-collapsing/

https://www.thetimes.com/life-style/property-home/article/why-your-homes-value-has-fallen-more-than-you-think-kfnxf8pjp

https://www.telegraph.co.uk/business/2026/08/09/the-collapse-of-the-boomer-property-dream/

All my links: https://linktr.ee/movinghomewithcharlie

Watch the video here: https://youtube.com/live/j6KKE1Mccx4

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 

O...