Another piece about conveyancing? Seems like it's been a bit of free-for-all in the last couple of weeks on the woes...
Archive

Property website Rightmove has calculated that yesterday’s interest rate rise – up 0.5% to 1.75% - will mean new first-time buyers...
05 August 2022
From: Breaking News

Research over recent years has regularly pointed to the Bank of Mum & Dad being one of the UK’s biggest lenders,...
04 August 2022
From: Breaking News

Late last week, Leeds Building Society announced that it would no longer lend on second homes to concentrate on first-time buyers...
02 August 2022
From: Breaking News

A record share of buyers are leaving London to purchase their first home, research shows. Analysis by Hamptons found that a record...
01 August 2022
From: Breaking News

As Britain’s housing boom continues, SDL Property Auctions has warned of ten ways new homeowners could be fined up to £5,000...
26 July 2022
From: Legislation & Compliance

Asking prices for typical first-time buyer homes and equivalent rents have risen three times faster compared with the pre-pandemic years, Rightmove...
25 July 2022
From: Breaking News

With so many benefits including lower fall-through rates and quicker sales, it is no surprise that selling a property via auction...
23 July 2022
From: Features

In this Guides & Tips piece, the team at Together set out what Right to Buy is and who is eligible. If...
21 July 2022
From: Legislation & Compliance

The other day I read a story here on Estate Agent Today, which was both depressing and inspiring. It reported a study...
15 July 2022
From: Breaking News
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Long-term 50-year mortgages that can be passed on by parents to their children appear to be the latest idea from the...
04 July 2022
From: Breaking News

The government is being urged to tailor its housing market reforms beyond solely focusing on first-time buyers. It comes as new analysis...
27 June 2022
From: Breaking News

The Bank of England’s continued rise in interest rates – the latest being a shift up to 1.25% - is, in...
25 June 2022
From: Features

Right now, one topic seems to be dominating talk in the industry. Everywhere I go people tend to quiz me about...
25 June 2022
From: Features

In the third part of this exclusive series with Homesearch’s chief operating officer, Sam Hunter, Angels Media’s Lee Dahill questions him...
22 June 2022
From: Features

Renewed calls are being made for an “urgent review” of stamp duty as research shows rising house prices mean first-time buyers...
22 June 2022
From: Breaking News
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A group of mortgage advisers has proposed a range of reforms to reduce barriers to home ownership for first time buyers. The...
20 June 2022
From: Breaking News

The Bank of England raised interest rates for the fifth consecutive month yesterday. The cost of borrowing is now at a 13-year...
17 June 2022
From: Breaking News

First-time buyers have admitted to feeling overwhelmed or scared to talk to estate agents about the homebuying process. A study of 2,000...
14 June 2022
From: Breaking News
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Property professionals and MPs were left wanting more after Prime Minister Boris Johnson’s much-anticipated housing announcements yesterday. Johnson yesterday promised a review...
10 June 2022
From: Breaking News

First-time buyers are now facing up to a nine-year wait to save enough of a deposit to get on the property...
07 June 2022
From: Breaking News

The government is being urged to expand and make the Treasury’s mortgage guarantee scheme permanent and compulsory on home loans above...
30 May 2022
From: Breaking News

Sales remain the predominant source of income for most estate agency brands, research claims. The analysis warns that agents shouldn’t ignore lettings...
27 May 2022
From: Breaking News

There are whispers in Whitehall about plans to encourage pensioners to downsize with a stamp duty tax break. The move, first reported...
26 May 2022
From: Breaking News

A survey among home movers has revealed support for making first-time buyers fully exempt from stamp duty and replacing the stamp...
24 May 2022
From: Breaking News

It is no longer significantly cheaper to rent compared with making monthly mortgage payments, Rightmove claims, but raising a deposit remains...
23 May 2022
From: Breaking News

A lack of mortgage knowledge could be holding buyers back, research claims. A survey of more than 1,000 consumers by Nottingham Building...
18 May 2022
From: Breaking News

Buyers are being urged to act now to secure decent mortgage pricing as interest rates hit a 13-year high yesterday. The Bank...
06 May 2022
From: Breaking News

A third of first-time buyers have had to reduce their budgets as a result of recent interest rate hikes and the...
03 May 2022
From: Breaking News

Record numbers of buyers are now purchasing homes chain-free research suggests. Analysis by Hamptons has found that an increase in the share...
25 April 2022
From: Breaking News

The pandemic may have helped first-time buyers get on the property ladder sooner but are they paying too high a price? Research...
06 April 2022
From: Breaking News

It’s not an easy time for many renters (and homeowners). The cost of living is going up across the board for...
26 March 2022
From: Features

The industry has reacted to the Spring Statement by breathing a sigh of relief that nothing was likely to cause damage...
24 March 2022
From: Breaking News

There’s been a huge rise in the amount of money contributed to the housing market by first time buyers. They paid over...
10 February 2022
From: Breaking News

Features often overlooked by agents and buyers now, such as double glazing and insulation, are likely to become high up on...
10 February 2022
From: Breaking News

The latest house price data from the Halifax shows another absolute record but with a sharply reduced monthly rise indicating a...
08 February 2022
From: Breaking News

Boomin chief executive Michael Bruce wants government action to help save the housing market as the cost of living crisis grows. Following...
04 February 2022
From: Breaking News

The government’s new Levelling Up White Paper, revealed this morning includes a radical reshaping of the private rental sector. Section 21 eviction...
02 February 2022
From: Breaking News

The average age at which someone buys their first home has risen to 32, up from 29 in 2011 and is...
25 January 2022
From: Breaking News

With the drastic changes enacted on the industry over the past two years thanks to the pandemic and political events such...
22 January 2022
From: Features

From first-time buyers to serial investors, no two days are ever the same for a Sales and Investment Consultant at Walton...
15 January 2022
From: Features

For the first time since before the global financial crisis of 2008, the number of first-time buyers is estimated to have...
06 January 2022
From: Breaking News

As agents return to work after the Christmas break, here’s an insight into possible new instructions. A quarter of owners apparently think...
31 December 2021
From: Breaking News

This year, Londoners purchased 112,780 homes outside the capital, the highest number since 2007. New data, from Connells-owned agency Hamptons, shows that...
29 December 2021
From: Breaking News

As we slide into Christmas, with the busiest levels of house buying since 2006 and activity still buoyant, I don’t think...
22 December 2021
From: Features

As 2021 draws to a swift close, there is much speculation about what 2022 will have to offer. Despite the emergence of...
18 December 2021
From: Features

The average first-time buyer’s home across Britain has increased in price by approaching £9,000 a year for the past decade. FTBs are...
16 December 2021
From: Breaking News

A housebuilding-led mortgage indemnity scheme called Deposit Unlock has now been launched nationally with 17 major developers taking part. Nationwide is the...
26 November 2021
From: Breaking News

It’s been a busy and arguably fruitful year for the property market, with an eager consumer base pushing forwards with their...
17 November 2021
From: Features

Annual house price growth increased to 8.1 per cent in October according to the Halifax. The average UK property price is now...
08 November 2021
From: Breaking News

In the Autumn Budget on Wednesday 27 October, very few impending tax hikes were revealed by the Chancellor Rishi Sunak –...
06 November 2021
From: Features

The Bank of England’s monetary policy committee has defied expectations by keeping base rate at its historic low of 0.1 per...
05 November 2021
From: Breaking News
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At first glance, Rishi Sunak’s Budget speech earlier this week didn’t offer much from a property perspective. But digging down a little...
30 October 2021
From: Features

The property industry and its many stakeholders are key participants in a global digital transformation that has been underway for quite...
09 October 2021
From: Features
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An interesting demand has been made of Chancellor Rishi Sunak - to consider reforming stamp duty with thresholds revised to reflect...
06 October 2021
From: Breaking News

House prices rose by just 0.1 per cent in September - but they are still increasing by 10 per cent a...
01 October 2021
From: Breaking News

As we move into the autumn of 2021, what the coming year has in store for estate agents is something we...
29 September 2021
From: Features

The first agency to give its market forecast for 2022 and beyond has suggested an upbeat performance next year. Hamptons says the...
27 September 2021
From: Breaking News

Affordability has always been a hot topic when it comes to the property market, and this is doubly true for first-time...
22 September 2021
From: Features

It’s certainly the case that awareness of part exchange isn’t very high in the property and agency world, despite the potential...
22 September 2021
From: Features

The government has been warned that its much-talked about levelling up agenda is ‘doomed to fail’ without major reform of the...
22 September 2021
From: Breaking News

First-time buyers are shifting to online-only banks to help get a mortgage. A survey by personal finance website NerdWallet found that with...
21 September 2021
From: Breaking News

Record numbers of properties sold above asking price in August, agents claim. Data from NAEA Propertymark shows that despite the summer lull,...
20 September 2021
From: Breaking News

First-time buyers are £25,000 worse off thanks to the stamp duty holiday, according to estate agent comparison site GetAgent. The website revealed...
16 September 2021
From: Breaking News

The value of mortgage lending hit a record high in the final months of the stamp duty holiday. Figures from the Bank...
15 September 2021
From: Breaking News

Rightmove claims to have identified the dream home for buyers. A survey of more than 2,000 visitors to the portal’s website has...
15 September 2021
From: Breaking News

A surprise statement from the Royal Institution of Chartered Surveyors says the stamp duty holiday, which goes on until the end...
09 September 2021
From: Breaking News

Does this photo drive you mad? Do you see it everywhere (including on Estate Agent Today stories)? Who are these people and...
07 September 2021
From: Breaking News
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The chairman of the Commons housing, communities and local government committee has criticised the institutional bulk-buying of existing homes for denying...
31 August 2021
From: Breaking News

The very strong housing market seen throughout this year is set to extend into 2022 as a stock shortage is forecast...
26 August 2021
From: Breaking News

An estate agent says the housing market now has a hidden characteristic - an absence of homes that are friendly for...
26 August 2021
From: Breaking News

The average asking price, as recorded by Rightmove, has fallen for the first time this year. In another sign that the market...
16 August 2021
From: Breaking News

There’s already plenty of talk about autumn - depressing huh? - with agents pondering how the housing market will respond to...
07 August 2021
From: Features

If you were hoping for a summer lull during August, think again. That’s the messages from Nicky Stevenson, managing director of Fine...
05 August 2021
From: Breaking News

Londoners purchased over 60,000 homes outside of the capital in the first half of 2021 - and many of those buyers...
03 August 2021
From: Breaking News

The stamp duty holiday came and went with much fanfare. For many buyers it represented a rare opportunity to make some...
31 July 2021
From: Features

Zoopla data has confirmed that buyer demand started to moderate in the months prior to the initial stamp duty holiday tapering...
24 July 2021
From: Features

A new Home Buyer App has been launched by the Mortgage Advice Bureau in a bid to educate first time buyers...
22 July 2021
From: Breaking News

The distribution of home ownership across different generations has been a cause of strife according to a think-tank. The Resolution Foundation’s latest...
29 June 2021
From: Breaking News

An authoritative study on the housing market has shown that the big losers from the pandemic have been first time buyers. The...
23 June 2021
From: Breaking News

A traditional problem for agents has been ‘tyre kickers’ who come to view a home out of curiosity with little or...
16 June 2021
From: Breaking News

An app that promotes both on- and off-market homes to prospective buyers has linked up with a moving service PropTech platform. Houso...
10 June 2021
From: Breaking News

Agents have given their backing to the government’s First Homes initiative, offering discounted houses for local people and key workers and...
07 June 2021
From: Breaking News

The apparent plight of first time buyers hits the headlines frequently but new research shows that second steppers face a wide...
26 May 2021
From: Breaking News

Nationwide Building Society is to become the largest mortgage provider to reintroduce 95 per cent Loan-to-Value home loans without government support. These...
19 May 2021
From: Breaking News
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Over 300,000 new-builds in England have been purchased using the government's Help to Buy Equity Loan since its launch in 2013. Of the...
19 May 2021
From: Breaking News

A first-time-buyer couple in a part of the country renowned for its second homes and shortage of stock has praised a...
12 May 2021
From: Breaking News
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Government leaks ahead of today’s Queen’s Speech suggest a major planning shake-up is set to stop NIMBY objectors to new homes. News...
11 May 2021
From: Breaking News

Local elections rarely set the pulse racing and this year’s poll on Thursday faces a similar problem. But this time, it’s a...
01 May 2021
From: Features

With property transactions taking longer than ever and many people operating at capacity, it is easy to overlook the progress made,...
28 April 2021
From: Features

Some 80 per cent of the property market will remain free of stamp duty for first-time buyers, even after the current...
20 April 2021
From: Breaking News

New research shared with Estate Agent Today suggest that in areas of the country almost four in 10 homes for sale...
16 April 2021
From: Breaking News

An agent in part of the UK with the strongest seller’s market claims the stock shortage is the worst he’s seen...
14 April 2021
From: Breaking News

The latest Moneyfacts monitor of the mortgage market suggests a significant number of new 95 per cent products - even without the...
14 April 2021
From: Breaking News

The Chancellor’s recent announcement that the stamp duty holiday would be extended for another three months was undoubtedly great news for...
27 March 2021
From: Features

Data from Rightmove suggests a sharp increase in the number of chain-free properties on the market because sellers are increasingly willing...
26 March 2021
From: Breaking News

The Building Societies Association says there’s been a surge in consumer confidence in the housing market following the Budget. Some 37 per...
24 March 2021
From: Breaking News

The property sector is in the middle of a boom and demand is high. Last week’s announcement that the stamp duty...
10 March 2021
From: Features

Mortgage availability has risen for the fifth consecutive month according to respected market monitor Moneyfacts. With 3,532 products on offer, this is...
10 March 2021
From: Breaking News

The latest house price index from the Halifax suggests the market has softened ahead of the original scheduled end of the stamp...
08 March 2021
From: Breaking News

Rarely do Budgets produce positive sentiments from the agency industry but Chancellor Rishi Sunak appears to have won widespread support for...
04 March 2021
From: Breaking News

A new mortgage guarantee scheme to help buyers with small deposits will be revealed on Wednesday at the Budget. Chancellor Rishi Sunak...
01 March 2021
From: Breaking News

A leading agent says the worst thing that could happen with Wednesday’s Budget is if the Chancellor does not deliver on...
01 March 2021
From: Breaking News

Propertymark has slammed government energy efficiency proposals as being “unrealistic, too simplistic and could deter people from moving home.” A formal consultation...
19 February 2021
From: Breaking News

The deadline to complete the purchase of a home under the current Help to Buy scheme in England has been extended...
16 February 2021
From: Breaking News

There’s now more choice in the mortgage market than at any time since last March, before the pandemic reached a peak. The...
10 February 2021
From: Breaking News

There is no scientific formula, no list of must-have elements in a successful campaign. That’s especially the case for a campaign involving...
06 February 2021
From: Features

Some 70 per cent of first time buyers in 2020 took out mortgages in excess of 25 years, says the Nationwide. A decade...
20 January 2021
From: Breaking News

The latest Rightmove analysis shows it now takes 126 days from the time an offer is accepted until legal completion -...
18 January 2021
From: Breaking News

High end agency Hamptons has quantified the trend of Londoners quitting the capital in the light of the pandemic. It says that...
29 December 2020
From: Breaking News

If you fear the market will slow after Christmas, think again - Rightmove is expecting several months of frenzied transactions to...
14 December 2020
From: Breaking News

A scathing document produced by MPs slams the government for its “deplorable” housing policies which are "invented, abandoned and reinvented" -...
09 December 2020
From: Breaking News

Tenants, landlords, agents, and house buyers all breathed a sigh of relief on Halloween when the government announced that home moves...
21 November 2020
From: Features

The government has revealed new regional price caps for its revamped Help To Buy Equity Loan scheme, set to operate between...
19 November 2020
From: Breaking News

A new report funded by high profile consumer champion Martin Lewis says the government must do more to help ‘mortgage prisoners’. These...
12 November 2020
From: Breaking News

Figures just released from HM Revenue & Customs show just how much stamp duty buyers pay, at least before the current holiday...
02 November 2020
From: Breaking News

Recent figures emanating from the mortgage and housing market suggest that – since lockdown was ended in mid-May – transaction levels...
31 October 2020
From: Features

One of Britain’s most respected agents is suggesting Chancellor Rishi Sunak could ‘taper’ the stamp duty holiday to avoid a cliff-edge...
28 October 2020
From: Breaking News

Staying on top of the numbers and figures in a constantly changing industry can be stressful. Changing property prices can be...
27 October 2020
From: PropTech & Innovation

A new league table drawn up by a property advice website may be the most authoritative yet for first time buyers...
21 September 2020
From: Breaking News

Zoopla has been awarded £50,000 of premium ad space with the Telegraph Media Group in recognition of a campaign to help the UK...
24 August 2020
From: Breaking News

The supply of homes coming to the market could struggle to meet the demand from buyers shown in recent weeks, with...
21 August 2020
From: Breaking News

Many young people are stuck unable to purchase their first home even if house prices fall in the wake of the...
13 August 2020
From: Breaking News

Zoopla's Research and Insight Director Richard Donnell writes: Just over a fortnight on since the Chancellor announced the Stamp Duty holiday and...
23 July 2020
From: Breaking News

Emma Vigus, managing director of sales progression platform mio, in discussion with key suppliers in the residential property industry on operating...
18 July 2020
From: Features

Britain’s second largest lender is to offer 90 per cent loan to value mortgages once again from next Monday - a...
14 July 2020
From: Breaking News

You have to feel for Rishi Sunak - well, at least a little. Leave to one side that he carries more presentational...
11 July 2020
From: Features

We recently issued our Zoopla House Price Index, which analyses the latest real-time trends from the sales market. In our analysis, we...
04 July 2020
From: Features

An analysis of Countrywide branch data outside London has revealed that one in 10 applicants who registered to buy were from...
25 June 2020
From: Breaking News

A well-known saying in estate agency is that first-time buyers are the sellers of the future. If we believe this to...
01 June 2020
From: Breaking News

Restrictions introduced a decade ago after the financial crisis are holding back many first time buyers from purchasing a home. That’s the...
01 June 2020
From: Breaking News

The outlook for the housing market is still taking shape, but here I take a look at three market indicators to...
30 May 2020
From: Features

The number of full property details viewed on Rightmove - a key indicator of market health - is already stronger than...
20 May 2020
From: Breaking News

A Labour council in London has come out against the government’s plan to offer 30 per cent discounts to first time...
06 May 2020
From: Breaking News

It seems an eternity ago but the housing market in February - that’s only last month - was in rude health...
31 March 2020
From: Breaking News

New research of the buying habits of first-time buyers in the UK we’ve undertaken here at reallymoving.com shows that Shared Ownership...
25 March 2020
From: Features

The Bank of England has announced an emergency cut in the base interest rate to shore up the economy during the Coronavirus...
11 March 2020
From: Breaking News

Earlier this month, Boris Johnson carried out a reshuffle of his cabinet, telling ministers they must 'repay the trust of those...
22 February 2020
From: Features

Despite still being in the transition period after leaving the EU on January 31, we are seeing an upturn in the...
22 February 2020
From: Features

Predictions that landlords are not buying properties to let out because of tougher rental taxes and regulations appear to be short...
19 February 2020
From: Breaking News

The Financial Conduct Authority has issued a shock warning that mortgage borrowers who purchased properties through the Help To Buy scheme...
19 February 2020
From: Breaking News

The HomeOwners Alliance, a leading property consumer group, has now suggested it has some concerns about the government’s First Homes scheme. This...
11 February 2020
From: Breaking News

One of the leading consumer groups has backed the government’s controversial First Homes policy, which aims to give 30 per cent...
10 February 2020
From: Breaking News

Now we’re well into the second month of the year, we have reached a crucial point in the ongoing plans to...
08 February 2020
From: Features

The government has announced its First Homes scheme - a policy under which it says some new homes will see their...
07 February 2020
From: Breaking News

One of the country’s leading housing market research experts has been poached from Knight Frank to join Zoopla. Gráinne Gilmore - a...
07 February 2020
From: Breaking News

The Bank of England’s monetary policy committee meets today for its monthly decision on whether the move base rate - and...
30 January 2020
From: Breaking News

The new government has announced that its first Budget is to be held on Wednesday March 11 - and it’s giving...
08 January 2020
From: Breaking News

After a year dogged by Brexit deadlock, political turmoil, and slow growth, estate agents’ confidence in the property market hit a...
04 January 2020
From: Features

Barclays claims that property size and measurements are confusing home owners - and especially those considering going to the market this...
02 January 2020
From: Breaking News

NAEA member agents have delivered a relatively downbeat forecast for 2020 - but the organisation says an injection of digital technology...
27 December 2019
From: Breaking News

There are reasons to be optimistic that a majority government will improve the housing market, simply by ending political and economic...
21 December 2019
From: Features

The National Association of Estate Agents has given its analysis of 2019 - and it may have been a better year...
18 December 2019
From: Breaking News

Rightmove predicts that the price of property coming to market in Britain will rise by two per cent next year. The portal...
16 December 2019
From: Breaking News

Yes, believe it or not, we’ve nearly reached the end of a whole decade. And what an eventful decade it’s been. We’ve...
14 December 2019
From: Features

It’s a substantial Tory government for the next five years: what does this mean for estate agents, property and the market? We have...
13 December 2019
From: Breaking News

Agents have welcomed the surprise news from the Halifax that house prices last month saw their largest rise since the start...
09 December 2019
From: Breaking News

With Brexit still unresolved, the domestic agenda has been pushed from the headlines by the seemingly overwhelming public and political discord...
07 December 2019
From: Features

[Estate Agent Today was ‘off air’ for some of Wednesday and most of Thursday thanks to technical problems - we apologise...
06 December 2019
From: Breaking News

In just over two weeks, the UK population will head to the polls for the fourth general election since 2010. Of course,...
27 November 2019
From: Features

Recent Zoopla reports stating that first-time buyers are deciding against purchasing one-bedroom flats came as no surprise to me, or I’m...
23 November 2019
From: Features

Pressure is building on the Conservative party to honour its previous commitment to reform stamp duty for British buyers and sellers...
22 November 2019
From: Breaking News

The head of a new property portal is urging agents to forget about spending money on For Sale and To Let...
21 November 2019
From: Breaking News

It’s easier than you might think. For any agent the challenge of making a business successful is hard work with the focus...
20 November 2019
From: Features

There was an increase in the number of first time buyers getting on the property ladder in September compared to the...
20 November 2019
From: Breaking News

The National Audit Office, a spending watchdog, has exposed the government’s Starter Homes policy with a damning critique of its failure The...
05 November 2019
From: Breaking News

It has been said time and time again that the uncertainty around Brexit is causing, well, uncertainty. As I write this, the...
26 October 2019
From: Features

The number of new mortgages approved by banks fell to a six-month low in September - but the annual figure shows...
25 October 2019
From: Breaking News

Young homebuyers want tech-savvy, astute and attentive estate agents who are able to handle their complex requirements via a range of...
23 October 2019
From: Breaking News

The average age of a first-time buyer in the UK is 27, according to research from Nested.com. The online estate agency says...
11 October 2019
From: Breaking News

Of all the UK properties for sale over the last year, 59% would have been exempt from any type of transaction...
10 October 2019
From: Breaking News

The annual rate of growth of UK house prices has slowed to its lowest level since September 2012. Official government data from...
19 September 2019
From: Breaking News

There's good news for the market in at least one sector - mortgages offered to first time buyers. Latest figures from the...
18 September 2019
From: Breaking News

A report by the influential Public Accounts committee of MPs has been highly sceptical of the effectiveness of Help To Buy. It...
18 September 2019
From: Breaking News

The new housing minister has admitted that her party has tried to “put a lid” on house price rises and has...
17 September 2019
From: Breaking News

First time buyers will constitute the largest single group of purchasers in 2019, despite the apparent difficulties of deposits and securing...
09 September 2019
From: Breaking News

It’s been six years since the Help to Buy scheme was launched, with the honourable intentions of helping more people onto...
07 September 2019
From: Features

It’s been quite a week for news so you might have missed this story - there is yet another boost for...
31 August 2019
From: Features

In the run up to his appointment as Prime Minister, Boris Johnson suggested that he might cut Stamp Duty Land Tax...
24 August 2019
From: Features

Brexit is not deterring first time buyers this year according to an analysis by the Yorkshire Building Society. It says that despite...
19 August 2019
From: Breaking News

An online agency has struck out against the conventional wisdom that it’s tougher than ever before for first time buyers to...
13 August 2019
From: Breaking News

Speculation surrounding whether Boris Johnson will honour his pledge to reduce stamp duty risks bringing the housing market “to a grinding...
07 August 2019
From: Breaking News

A report by Santander says stamp duty cuts should be used as incentives for older home owners to downsize and allow...
02 August 2019
From: Breaking News

New research has identified those local housing market potentially worst hit by the planned changes to Help To Buy in 2021,...
02 August 2019
From: Breaking News

Seemingly-endless uncertainty over Brexit and now speculation over whether there will be an easing of stamp duty on transactions is making...
01 August 2019
From: Breaking News

We now have a new Leader of the Conservative Party and, rather more importantly, a new Prime Minister. That individual is Boris...
27 July 2019
From: Features

Our own industry’s upheaval over recent years has been no less dramatic than the turmoil at Westminster. The political earthquake has seen...
23 July 2019
From: Breaking News

Online estate agency Yopa is warning of price falls ahead in London and south east England - although price rises elsewhere...
17 July 2019
From: Breaking News

Conservative leadership frontrunner Boris Johnson's plans to reverse stamp duty changes could help to kickstart the prime property market, according to...
09 July 2019
From: Breaking News

Theresa May arrived in Downing Street some three years ago - but her premiership has not been a smooth ride. As she...
06 July 2019
From: Features

With this summer marking forty years since Margaret Thatcher came to power, her legacy continues to invoke both celebration and consternation...
06 July 2019
From: Features

Britain lives in fundamentalist black-and-white times - all the more surprising when the country's most divisive point of contention sits on...
22 June 2019
From: Features

The National Audit Office says many users of Help To Buy would have been able to purchase a home anyway, without...
13 June 2019
From: Breaking News

The issue of ‘intergenerational fairness’ has been raised in recent weeks, some might say somewhat ironically by a House of Lords’...
04 May 2019
From: Features

With the UK population spending longer in rental accommodation, due to the upfront expense of buying a home, their time and...
01 May 2019
From: Features

It’s no secret that the UK’s housing sector is in crisis. Headlines scream about the shortage of new-build homes. TV pundits...
30 March 2019
From: Features

Whether it is legacy providers with new, young businesses, or large banks with PropTech startups, all types of cross-collaboration are vital. It’s...
27 March 2019
From: Breaking News

Over the last few years, there have a number of changes to the stamp duty land tax (SDLT) regime, which have...
23 March 2019
From: Features

Estate agents have responded cynically to the small-fry property sector announcements made by Chancellor Phillip Hammond in yesterday’s spring statement mini-Budget. Overshadowed...
14 March 2019
From: Breaking News

It’s not just the high-end market for homes in the south east that’s hit by Brexit according to the Guild of...
06 March 2019
From: Breaking News

Cast your minds back to the summer of 2014. It’s 9.55 am somewhere in east London ‘Sorry I’m late’ offers the...
23 February 2019
From: Features

In these tougher times, we recognise that helping agents win new inventory is the key to their businesses. There were more than...
20 February 2019
From: Features

Purchasing a property. It’s a key life goal that so many Millennials aspire to - yet one that has become frustratingly...
02 February 2019
From: Features

The 100 per cent mortgage for first time buyers, which many people thought had disappeared for good, is now back in...
29 January 2019
From: Breaking News

A review of the housing market at present, particularly when it comes to purchase transactions, might not necessarily feel overly positive. The...
26 January 2019
From: Features

I often speak of my wish to see property taken out of the hands of politicians. Indeed, this is likely to...
19 January 2019
From: Features

It’s the word on everyone’s lips: after two and a half years of debate, and months before that leading up to...
11 January 2019
From: Breaking News

Phil Spencer is on the warpath against “constant tinkering” by government in housing matters - and instead, he wants the problems...
02 January 2019
From: Breaking News

As 2018 draws to a close, it is fair to say that stretched affordability and uncertainty over the Brexit negotiations has...
29 December 2018
From: Features

Uncertainty will be a key characteristic of the housing market for “the next few years” warns Countrywide - and not just...
20 December 2018
From: Breaking News

An end-of-year analysis from the National Association of Estate Agents shows the state of the industry - and it confirms just...
04 December 2018
From: Breaking News

Mainstream bank lending for house purchases grew by 3.6 per cent in October compared to the same month last year. However the...
27 November 2018
From: Breaking News

A no-deal Brexit The biggest impact of a no-deal Brexit in relation to housing is a potential fall in house prices -...
24 November 2018
From: Features

The latest research from online estate agency Emoov shows at least one silver lining to the current Brexit-hit housing market -...
21 November 2018
From: Breaking News

On the face of it, this year’s Budget was not what you could describe as ‘housing heavy’ in terms of the...
03 November 2018
From: Features

An open rental market, where neither landlord nor tenant is in a dominant position, enables rents to rise and fall, which...
27 October 2018
From: Features

Zoopla says 38 per cent of properties on sale have had their asking prices slashed. That’s a five per cent rise since...
25 October 2018
From: Breaking News

We’re sorry to be starting the week with more evidence of the housing market in the doldrums, but Rightmove’s latest index...
15 October 2018
From: Breaking News

I’ve spoken many times before of my desire to see government take property more seriously. For more than just lip service...
13 October 2018
From: Features

The income first-time buyers need to purchase a home in the UK’s largest cities has shot up by 18 per cent...
27 September 2018
From: Breaking News

Landlords and letting agents might feel they’ve taken a bit of a battering from the government in recent years – and...
22 September 2018
From: Features

Owning a home has become almost impossible for many public sector workers across Britain, according to research from the union UNISON. Getting...
13 September 2018
From: Breaking News

Speculation is growing that the Help to Buy scheme is set to be discontinued following a review by government ministers. Recent research...
03 September 2018
From: Breaking News

Property sellers have been on the back foot over the slow summer period, according to the latest report from NAEA Propertymark....
31 August 2018
From: Breaking News

Over a fifth of pensioners say they would be encouraged to downsize if there was a stamp duty incentive - particularly...
30 August 2018
From: Breaking News

Some 31 per cent of first time buyers residing in London ended up moving away from the capital to purchase a...
28 August 2018
From: Breaking News

More than 420,000 people have now used the government’s Help to Buy schemes to get themselves on to the housing ladder...
17 August 2018
From: Breaking News

A respected mortgage broker has found that there is widespread public uncertainty amongst the public about the effects of stamp duty...
09 August 2018
From: Breaking News

A government announcement this morning claims 121,500 first time buyers have taken advantage of the stamp duty cut introduced at the...
31 July 2018
From: Breaking News

With the continued indecision surrounding Brexit and the final divorce settlement still months away, it seems property buyers are choosing to...
28 July 2018
From: Features

Another day, another housing minister – at least that’s what it feels like! The resignation of the Foreign Secretary Boris Johnson...
21 July 2018
From: Features

The consumer group Which? says some estate agents are misleading buyers about in-house mortgage services. The consumer group has issued a number...
16 July 2018
From: Breaking News
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To say this is a turbulent time for UK politics would be something of an understatement. As I write, the Brexit...
23 June 2018
From: Features

Potential first-time buyers in every area of the UK would have lower monthly outgoings if they bought a property rather than...
20 June 2018
From: Breaking News

The housing market “is clearly currently struggling to gain traction” and any real upturn ”will remain elusive over the coming months”...
20 June 2018
From: Breaking News

One of the country’s leading experts on the housing market says first time buyers are still hampered from purchasing homes despite...
01 June 2018
From: Breaking News

The housing market has swung back in favour of property sellers, according to the latest data from estate agents. NAEA Propertymark's Housing...
30 May 2018
From: Breaking News

The Bank of Mum and Dad will provide funding towards around a quarter of property purchases this year, according to research. By...
30 May 2018
From: Breaking News

Average first-time buyers in London spend double the amount paid by those across the rest of Britain. A typical London buyer now...
23 May 2018
From: Breaking News

New data from Haart estate agency suggests that despite many homes sticking on the market, apparently would be buyers are locked...
14 May 2018
From: Breaking News

James Brokenshire - yesterday appointed Secretary of State for Housing, Communities and Local Government - joins the rank of senior politicians...
01 May 2018
From: Breaking News

Given the level of resource and energy being put behind upping the number of first-time buyers in the UK, you might...
28 April 2018
From: Features

Property purchases for buyers requiring mortgages reached 50,000 in February, the highest level for the month since 2007. The data, from mortgage...
18 April 2018
From: Breaking News

Gross mortgage lending is set to reach its highest level since 2007 despite Brexit, says the Intermediary Mortgage Lenders Association. But its...
29 March 2018
From: Breaking News

The National Association of Estate Agents says the government’s first time buyer stamp duty incentive “seems to be having the desired...
27 March 2018
From: Breaking News

One day, I’ll sit down to write for Estate Agent Today and I won’t express my dismay at the lack of...
24 March 2018
From: Features

Figures just released assessing February’s mortgage borrowing show that approvals are 1.25 per cent lower than in January, and are down...
20 March 2018
From: Breaking News

In the great swathe of housing market data which is delivered each month, conveyancers’ case volumes often get overlooked, however the...
24 February 2018
From: Features

Scotland is considering giving first time buyers relief or exemption from Land and Buildings Transaction Tax - the replacement for stamp...
19 February 2018
From: Breaking News

The number of first-time buyers has increased 16 per cent in the past month and 10 per cent year on year...
15 February 2018
From: Breaking News

A partner at Carter Jonas says that the next 12 months could see stagnation in the market and as a result...
26 January 2018
From: Breaking News

Rightmove’s former lettings chief Sam Mitchell has taken over as chief executive of online agency HouseSimple, which recently won another £20m...
24 January 2018
From: Breaking News

One of the most influential select committees in parliament has told the government that it needs to do more - much...
23 January 2018
From: Breaking News

A set of figures produced by Haart suggests the market has had a difficult past 12 months - but the firm...
23 January 2018
From: Breaking News

What a year it’s been! Back in 2016 we had Brexit, a new prime minister, Donald Trump’s election, and so when...
30 December 2017
From: Features

Another new year is nearly upon us and, once we’ve got the season of mince pies, mulled wine, pigs in blankets,...
16 December 2017
From: Features

A survey of the housing market in 2017 from the National Association of Estate Agents suggests much of the busiest activity...
05 December 2017
From: Breaking News

It’s not breaking new ground to say that younger people have what many regard as the raw end of the deal...
02 December 2017
From: Features

Here we are again: another much anticipated Budget has been and gone and, yet, still nothing much has changed! Yes, of course,...
02 December 2017
From: Features

As we hurtle towards the end of 2017, it’s time to reflect on the year that’s just been. Even better, this property-based...
25 November 2017
From: Features

Earlier this week, Chancellor Philip Hammond delivered the Autumn Budget with a strong focus on housing. The decision to cut stamp duty...
25 November 2017
From: Features

Agents and even the Labour Party have backed the government’s scrapping of stamp duty for first time buyers’ purchases up to...
23 November 2017
From: Breaking News

The housing industry has set out a list of demands in advance of the government’s hotly anticipated Autumn Budget on Wednesday. Despite...
18 November 2017
From: Features

Mortgage approvals are well above last year's levels despite concerns about the health of the housing market. There were 66,185 mortgage applications...
09 November 2017
From: Breaking News

The Bank of England has raised the base rate from 0.25 per cent to 0.5 per cent. The Bank’s monetary policy committee was...
02 November 2017
From: Breaking News

With the Budget just over a month away, the steady stream of ‘leaks’ continues to grow as journalists and the industry...
21 October 2017
From: Features

Pressure is continuing to build on the government to reform stamp duty in next month’s Budget. Firstly a group of senior financial...
20 October 2017
From: Breaking News

Stamp duty reform lies at the heart of the submission by the National Association of Estate Agents ahead of next month’s...
10 October 2017
From: Breaking News

Conservative MP John Stevenson is the latest to throw his weight behind switching the burden of stamp duty from the buyer...
09 October 2017
From: Breaking News

It appears activity in the housing market in 2017 will be around 15% down on 2016. The number of housing transactions...
16 September 2017
From: Features

With party conference season around the corner and the next Budget just a couple of months away, more industry players are...
07 September 2017
From: Breaking News

Whenever any research is released, part of me can’t help thinking of that old adage, ‘lies, damn lies and statistics’ especially...
02 September 2017
From: Features

New data from UK Finance - previously the Council of Mortgage Lenders - paints a relatively optimistic assessment of the UK-wide...
24 August 2017
From: Breaking News

Almost half of all property purchase valuations last month were conducted on behalf of first-time buyers according to Connells - well...
23 August 2017
From: Breaking News

Agents say the latest Nationwide index showing a surprise rise in house prices does not change the fact that it is...
02 August 2017
From: Breaking News

Being a leading world-class city comes at a price – they are the most expensive for occupiers and the most lucrative...
14 July 2017
From: Features
07 July 2017
From: Breaking News

Government schemes like Help To Buy, supposedly assisting more people get on the ladder, have little impact on improving social mobility...
04 July 2017
From: Breaking News

When it comes to provoking anger in property professionals, taxation takes some beating. Press releases are still arriving berating the December...
01 July 2017
From: Features

Over 250,000 non-homeowners appear to have given up on the dream of owning their own property in the past year alone,...
19 May 2017
From: Breaking News

Home buyers borrowed £11.2 billion in March - down on the ‘stamp duty bonanza‘ period at the same time last year...
18 May 2017
From: Breaking News

The boss of the UK's largest independent agency has called on the government to be 'radical' and consider a range of...
16 May 2017
From: Breaking News

More than one in three first time buyers have missed out on potential home deals because their deposit was too small...
05 May 2017
From: Breaking News

First time buyer registrations in the past month have jumped nearly 20 per cent across the UK and almost 30 per...
25 April 2017
From: Breaking News

I wrote last month about how the Government, in introducing a 3% stamp duty surcharge on second homes, had scored an...
22 April 2017
From: Features

By Wednesday April 19th, a UK citizen, on an average income, had earned £7,789 from their day job so far this...
22 April 2017
From: Features

In recent years the mortgage industry has gone through some testing times. Recession and regulation have led to more stringent lending...
08 April 2017
From: Features

Mortgage brokers say they are encountering fewer difficulties sourcing products now than at any time for three years. Research from the Intermediary...
04 April 2017
From: Breaking News

There are more first-time buyers (FTBs) finding a way on to the property ladder than at any time since the Financial...
01 April 2017
From: Features

The triggering of Article 50 may have been regarded as a historic event but it appears to have left the housing...
30 March 2017
From: Breaking News

A leading housing market analyst has made a stout defence of the growing trend of young buyers relying on their parents...
29 March 2017
From: Breaking News

The consumer group HomeOwners Alliance claims new research indicates that more than a million UK adults have shelved plans to purchase...
28 March 2017
From: Breaking News

The average asking price rise for homes coming to the market in the last month has been a chunky 1.3 per...
20 March 2017
From: Breaking News

The number and range of mortgages being offered in the UK has almost returned to its pre-credit crunch level. That’s the view...
17 March 2017
From: Breaking News

Data from the Council for Mortgage Lenders show that loans taken out by buyers have hit a near two-year low. Home buyers...
15 March 2017
From: Breaking News

Chancellor Philip Hammond delivered his first Budget this week pledging extra funding for the NHS, transport in the Midlands and the...
11 March 2017
From: Features

Jeremy Leaf, the London estate agent and former RICS residential chairman, is the latest industry figure to call for the government...
06 March 2017
From: Breaking News

Looking ahead to the Spring Budget this week, the Chancellor Philip Hammond will be obliged to face up to the implications...
04 March 2017
From: Features

Over the past two decades, investing in buy-to-let has been a relatively easy way to make money, which is why so...
25 February 2017
From: Features

The number of home buyers in London dropped to a four-year low in 2016 while the number of loans taken out...
23 February 2017
From: Breaking News

First-time buyers borrowed £5.1 billion from mortgage companies in December, far above the same month in 2015, and the highest December...
16 February 2017
From: Breaking News

Cash rebates with mortgages - seen by housing market analysts as a great sweetener for many cash-strapped first-time buyers - may now...
02 February 2017
From: Breaking News

A row has broken out over council tax funds being used to pay 18 estate agencies to find homes for a...
01 February 2017
From: Breaking News

The East of England, which takes in areas from Hertfordshire to Norfolk, has recorded the biggest hike in property prices over...
28 January 2017
From: Features

There were an estimated 354,000 homemovers in 2016, a fall of 4% compared to the 367,000 recorded the previous year. Analysis by...
25 January 2017
From: Breaking News

The housing market ended 2016 on a positive note, according to the latest report from the National Association of Estate Agents...
25 January 2017
From: Breaking News

Now I’m not one to lose sleep over politicians, but it strikes me that Communities Secretary Sajid Javid and Housing Minister...
07 January 2017
From: Features

New figures from the Council for Mortgage Lenders add weight to the argument that the housing market is gently slowing. Home-owners borrowed £10.5...
15 December 2016
From: Breaking News

There’s good news for London’s troubled market - a report from the CML shows that buyers in the capital took out 12...
24 November 2016
From: Breaking News
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It may still be too early to start compiling a Christmas wish list, but it is the right time to provide...
19 November 2016
From: Features

We are now less than a month away from Philip Hammond’s first Autumn Statement to the nation, depending of course on...
28 October 2016
From: Features

London’s Labour mayor Sadiq Khan says some 270,000 homes in London have been granted planning permission but have not yet been...
25 October 2016
From: Breaking News

The huge consequences of the EU referendum, and the impending Brexit negotiations, have drawn into sharp light the consequences for a...
22 October 2016
From: Features

Conveyancing is the most complained about area of law in England and Wales – accounting, on average, for nearly a quarter...
14 October 2016
From: Features

The Conveyancing Association says new Chancellor Phillip Hammond should use next month’s Autumn Statement as the opportunity to reverse controversial buy...
05 October 2016
From: Breaking News

Research from the consumer organisation Which? suggests that the number of mortgages on the market has increased by 13 per cent...
03 October 2016
From: Breaking News

Fears raised over the UK housing market in the wake of the Brexit vote have so far proved to be ‘wide...
30 September 2016
From: Features

Three quarters of properties sold by National Association of Estate Agents (NAEA) member branches in August were for less than the...
27 September 2016
From: Breaking News

Those working within the UK housing market would have felt considerable worry about the immediate impact of the vote to leave...
23 September 2016
From: Features

A mortgage lender has called on the government to reform stamp duty so that it is paid by property sellers instead...
22 September 2016
From: Breaking News

With the number of new homes being built across the UK still significantly below the level needed to meet demand, housebuilders...
16 September 2016
From: Features

Zoopla Property Group (ZPG) has announced that it has invested in a soon-to-launch PropTech startup. The group, which now owns uSwitch and...
16 September 2016
From: Breaking News

In the capital, people will pay a premium to live near great transport links, and as we’ve seen from Crossrail and...
02 September 2016
From: Features

This week, 25 years ago the world's first website went live to those of us who were around then. Amazingly, despite the...
12 August 2016
From: Features

Sheffield in South Yorkshire, which was once one of the leading industrial cities in Britain and is still recognised for its...
22 July 2016
From: Features

I’m indebted to one of the most enthusiastic estate agents I’ve had the pleasure of meeting for suggesting the subject of...
15 July 2016
From: Features

With a number of agent partner programmes available nationwide, estate agents can often increase business by offering sales by auction, especially...
15 July 2016
From: Features

What a month it has been. By the time you read this, we'll have a new Prime Minister, a new Cabinet,...
15 July 2016
From: Features

Estate agents and mortgage experts have reacted to the Bank of England’s surprise decision to keep base rate unchanged at 0.5...
15 July 2016
From: Breaking News

One of the first major pieces of research to come from an estate agency following the EU referendum suggests the short-term...
14 July 2016
From: Breaking News

As I sit and write this piece, even with the FTSE 100 back up and sterling having recovered some of its...
08 July 2016
From: Features

Never in my lifetime have I seen so much enthusiasm and passion for politics. Brexit awoke the sleeping dog in almost...
01 July 2016
From: Features

Data from Your Move and Reeds Rains - for May, so well before the EU referendum result - suggests average prices slumped 0.4...
29 June 2016
From: Breaking News

The sense of gathering momentum for the Leave campaign ahead of the upcoming EU referendum is causing high levels of uncertainty...
17 June 2016
From: Features

There has been an 11 per cent increase in sales in Scotland over the past year - and one major agency...
15 June 2016
From: Breaking News

During April demand for housing dropped to the lowest level recorded since March 2014, according to the National Association of Estate...
27 May 2016
From: Breaking News

So what is it with young people failing to stand up for themselves and not making the most of their money...
20 May 2016
From: Features

There has been a 58 per cent rise in the past year for mortgages for house purchase purposes, according to the...
18 May 2016
From: Breaking News

It’s the news that has got everyone talking: Barclays are bringing back the 100% mortgage. The market has taken a bit of...
13 May 2016
From: Features

The summer term – rounders, cricket and hayfever. It's also the last dash before the housing market supposedly closes down for...
23 April 2016
From: Features

A consumer group which champions home owners claims twice as many members of the public support the stamp duty surcharge as...
22 April 2016
From: Breaking News

Respected housing analyst Kate Faulkner is accusing campaigning charity Shelter of ignoring key facts and scaremongering about the alleged difficulties of...
20 April 2016
From: Breaking News

Home lending in 2016 saw its best opening quarter for nine years according to the figures from chartered surveying firm e.surv. An...
15 April 2016
From: Breaking News

The Haart agency claims the number of first-time buyers looking to enter the market saw a 22.7 per cent increase on...
07 April 2016
From: Breaking News

Average house prices across the UK increased by 7.9 per cent over the year to January, up from 6.7 per cent in...
23 March 2016
From: Breaking News

Data from the Council of Mortgage Lenders shows that gross mortgage lending reached £17.6 billion last month - that's the highest...
18 March 2016
From: Breaking News

In today's budget, the Chancellor, George Osborne, has announced a number of measures which will impact the property industry. The Chancellor confirmed...
16 March 2016
From: Breaking News

As we know, the property market in London is notorious for sitting a long way outside the conventions of the wider UK...
27 February 2016
From: Features

There has been a warm welcome given to figures from the Council of Mortgage Lenders showing that lending to first time...
19 February 2016
From: Breaking News

The number of first time buyers is estimated to have totalled 310,000 in 2015, virtually unchanged over the past year despite...
12 January 2016
From: Breaking News

Property sales in Scotland for first-time buyers and home movers are increasing three times faster than the rest of the UK...
17 December 2015
From: Breaking News

Investors’ Chronicle, the weekly investment magazine published by the Financial Times Group, has lavishly praised high-end agency Savills for diversifying its...
14 December 2015
From: Breaking News

In many respects 2015 has been a good year. Despite global challenges, we have seen a marked improvement in the UK...
11 December 2015
From: Features

So this weekend some of us will see our first snow of the season. Harsh weather, Christmas adverts and winter generally...
20 November 2015
From: Features

Around one million homes that were owner-occupied in 2005 have in the intervening decade been sold and switched to being privately...
09 November 2015
From: Breaking News

Two of London’s highest profile buying agency operations have announced new team members. Prime Purchase - the buying arm of Savills -...
02 November 2015
From: Breaking News

We have reached an interesting point in what has been a most unusual year for the property sector. The latest figures from...
23 October 2015
From: Features

Residential valuations have reached their highest level for six months according to Connells’ survey and valuation group. Valuation activity in September was...
13 October 2015
From: Breaking News

Help to Buy’s equity loan and mortgage guarantee schemes have helped nearly 120,000 people buy a home, according to government figures. Since...
14 September 2015
From: Breaking News

An unusual but large-scale piece of research suggests that older buyers are more likely to take their time viewing a property...
07 September 2015
From: Breaking News

One of the candidates for the deputy leadership of the Labour Party says she wants pensioners to invest in bonds which...
03 September 2015
From: Breaking News

Controversial housing charity Shelter has published a report which claims that the government's Starter Homes scheme will fail the people it...
27 August 2015
From: Breaking News

Housing supply increased by 25% in July, according to the latest report from the National Association of Estate Agents (NAEA). The number...
25 August 2015
From: Breaking News

A new website has been launched to fight back against the attack George Osborne made in the Summer Budget on the...
21 August 2015
From: Features

An out-spoken estate agent has claimed that first-time buyers in the North East of England will need to save deposits of...
21 August 2015
From: Breaking News

The government has launched a £26m fund for house builders and developers to demonstrate the range of high quality homes appropriate...
11 August 2015
From: Breaking News

Consider the scene. It is July 8th and new Chancellor, Ed Balls, stands at the Dispatch Box giving his first Budget...
17 July 2015
From: Features

This week the Chancellor, George Osborne, delivered the first Conservative Budget for almost 20 years. While Mr Osborne claimed that it marked...
10 July 2015
From: Features

June has witnessed a surge in residential valuations according to Connells. It says there were 23 per cent more property valuations conducted...
08 July 2015
From: Breaking News

Given that I wrote my last article on the day of the General Election but well before the result was known,...
19 June 2015
From: Features

The majority of agents do not see the supply and demand of homes levelling out over the next five years, according...
05 June 2015
From: Breaking News

The new government has announced its legislative plans for housing in the coming year. In the first all-Conservative Queen’s Speech since 1996,...
28 May 2015
From: Breaking News

I write this article on the day of the General Election so you’ll forgive the political analogies. In particular, how any...
08 May 2015
From: Features

Under new pension freedom reforms, people aged 55 and over can access as much of their savings from their defined contributions...