A new lettings market index has been launched by the Skipton Group, parent company of Connells, the country’s largest lettings and...
Archive
![Cash buyer activity reaches decade-high level](/upload/images/shutterstock_1032274147.jpg)
New research suggests that last year cash buyers accounted for the highest percentage of market activity seen in the last decade...
22 July 2024
From: Breaking News
![Housing Market shows real signs of strength - Zoopla's new figures](/upload/images/5%20shutterstock_309559970.jpg)
Half of all UK homes have increased in value in the first half of 2024 by 1% or more, says Zoopla. This...
22 July 2024
From: Breaking News
![Mortgage Choice booms for landlords and first time buyers](/upload/images/Shutterstock-only%20images/Property%20Market/Buy-to-let-3-400x310.png)
Growing mortgage product choice shows growing confidence in aspects of the housing market, even before anticipated rate cuts. That’s the view of ...
22 July 2024
From: Breaking News
![Housing market braced for end of first time buyer stamp duty relief](/upload/images/shutterstock_2200645925.jpg)
An estate agency’s research shows a regional breakdown of how the first time buyer market could change if the new government...
17 July 2024
From: Breaking News
![Lenders' rate cuts so far this week](/upload/images/Shutterstock-only%20images/Property%20Market/BalancingPercentages-400x310.png)
More rate cuts are being announced by lenders all the time as they vie for business and anticipate the Bank of...
17 July 2024
From: Breaking News
![Average first timer mortgage £100 cheaper than a year ago](/upload/images/Shutterstock-only%20images/Property%20Market/L%26G%20Mortgage%20club%20announces%20MortgageApplyNow_400x310.png)
The average five-year fixed mortgage rate is now 4.97%, down from 5.91 % a year ago; and the average two-year fixed...
15 July 2024
From: Breaking News
![Lender enhances flexi range after broker feedback](/upload/images/shutterstock_14446201.jpg)
Hinckley & Rugby for Intermediaries has enhanced its flexible mortgage range, cutting selected rates by up to 30bps and launching new...
10 July 2024
From: Breaking News
![Mortgage Sale idea revived by troubled Metro Bank](/upload/images/23%2008%2024%202%20shutterstock_1718282725.jpg)
It appears that Metro Bank has resuscitated a plan to sell much of its mortgage book after being rescued from potential...
10 July 2024
From: Breaking News
![Interest Rate and Labour Tax worries hit prime property market](/upload/images/shutterstock_2282272973.jpg)
Price growth in high-value prime areas has been put on hold given uncertainty surrounding the General Election, according to the latest...
08 July 2024
From: Breaking News
![Buyers Go Green in bid to get Cheaper Mortgages](/upload/images/Shutterstock-only%20images/Energy%20and%20Green%20Homes/GreenHome-400x310.png)
Almost a quarter of prospective homebuyers plan to make their homes more energy efficient in the hope of securing more favourable...
08 July 2024
From: Breaking News
![Mortgage rate hitting affordability and hurting market](/upload/images/shutterstock_2367412269(2).jpg)
The Nationwide has calculated that house buyers with mortgages are now pay far above the long term average. The lender, in its...
03 July 2024
From: Breaking News
![Mortgage Approvals Dip - Gross Lending Up](/upload/images/shutterstock_387290161(1).jpg)
Mortgage approvals for house purchases fell slightly from 60,800 in April to 60,000 in May, says the Bank of England. Approvals for...
03 July 2024
From: Breaking News
![First Time Buyers sceptical that politicians will improve their chances](/upload/images/Shutterstock-only%20images/Property%20Market/3%20CoupleMakingOffer-400x310.png)
Fewer than half (46%) of potential first-time buyers believe this week’s General Election will improve their buying prospects, despite manifesto pledges. Labour...
03 July 2024
From: Breaking News
![First Time Buyers deterred by over-strict mortgage rules - claim](/upload/images/shutterstock_1015072978.jpg)
New research from the Intermediary Mortgage Landers Association suggests that the cumulative shortfall in first-time buyer numbers since the financial crisis...
01 July 2024
From: Breaking News
![First Time Buyer mortgage costs soar](/upload/images/Shutterstock-only%20images/Property%20Market/1-HousePriceRising.png)
A new first-time buyer study from Rightmove reveals that the average first-time buyer mortgage payment has risen by 61% since the...
26 June 2024
From: Breaking News
![Lender broadens flexible mortgage range for self-employed](/upload/images/Shutterstock-only%20images/Property%20Market/2_MortgageCalculated.png)
Aldermore has expanded its mortgage range to appeal to self-employed contractors operating via a limited company or sole trader, enabling them...
26 June 2024
From: Breaking News
![Volatile Mortgage Rates hurt the Housing Market](/upload/images/Shutterstock-only%20images/Property%20Market/BalancingPercentages-400x310.png)
Buyers and sellers had to process a series of different numbers starting with five last week. The crucial number was 5.7%. That...
26 June 2024
From: Breaking News
![New Fixed-Rate Products for buyers of new-build homes](/upload/images/24%2002%2027%20%20%2003.jpg)
The West Brom - the UK’s seventh largest building society - is now offering a range of fixed rate mortgages to...
24 June 2024
From: Breaking News
![Mortgage Lending plummets to 30-month low - but Better To Come](/upload/images/shutterstock_2048038904%20-%20Copy.jpg)
Total mortgage lending sat at just £50.5 billion during the first quarter of 2024, the lowest level seen since interest rates...
24 June 2024
From: Breaking News
![Mortgage Debt reduces despite Housing Market Bounce-back](/upload/images/24%2006%2019%20%2003.jpg)
Overall, the total value of the UK housing market contracted by 21% in the year to March 2024, on the back...
19 June 2024
From: Breaking News
![High Mortgage Rates and Sluggish Sales Process threaten market](/upload/images/24%2006%2019%20%2004.jpg)
Rightmove reports that the average price of property coming to the market for sale drops by £21 this month to £375,110...
19 June 2024
From: Breaking News
![Higher Mortgage Rates sucking life out of the housing market](/upload/images/240617%20%2001.jpg)
A number of major mortgage lenders have announced rate increases just as the election campaign enters its second half. Barclays has increased...
17 June 2024
From: Breaking News
![Lender blames slow mortgage approvals for gazumping](/upload/images/240617%20%2002.jpg)
Homebuyers are being gazumped due to lengthy property chains and delays in getting a mortgage, new research from Market Financial Solutions...
17 June 2024
From: Breaking News
![Mortgage Shelf Life Halved in just One Month - new figures](/upload/images/240612%20%2001.jpg)
oneyfacts data reveals the average shelf-life of a mortgage has dropped to 15 days, down from 28 days a month prior. Month-on-month...
12 June 2024
From: Breaking News
![Lender returns to 95% mortgage market with new deals](/upload/images/240612%20%2003.jpg)
After a brief absence for what it calls “operational reasons” the Suffolk Building Society has returned to the 95% market with...
12 June 2024
From: Breaking News
![Boost for owner occupation is key demand of UK Finance manifesto](/upload/images/240612%20%2004.jpg)
UK Finance has released its financial services manifesto, outlining key priorities the next government should focus on. David Postings, Chief Executive of...
12 June 2024
From: Breaking News
![Industry sceptical about Labour's Mortgage Guarantee scheme](/upload/images/24%2006%2010%20%2002.jpg)
The industry is sceptical about the effectiveness of Labour’s nw ‘Freedom To Buy’ initiative, which effectively makes the current mortgage guarantee...
10 June 2024
From: Breaking News
![Mortgage market will see off General Election instability - expert's view](/upload/images/24%2006%2010%20%2005.jpg)
The mortgage market is resilient enough to endure temporary political uncertainty created by next month’s General Election. That’s the view of Jonathan...
10 June 2024
From: Breaking News
![Call for review of mortgage affordability criteria by new government](/upload/images/24%2006%2005%20%2002.jpg)
Rightmove says there should be a review of mortgage affordability criteria undertaken by the next government. The portal’s mortgages expert Matt Smith...
05 June 2024
From: Breaking News
![Lenders start to pull high LTV mortgage products](/upload/images/24%2006%2005%20%2003.jpg)
Despite a more subdued period for the mortgage market, analysis by Moneyfacts shows a handful of lenders pulled higher loan-to-value deals. Last...
05 June 2024
From: Breaking News
![First Time Buyer loan applications soar - now biggest sector of mortgage market](/upload/images/24%2006%2003%20%201.jpg)
Applications from first time buyers have grown by 33% so far this year with FTBs now making up a higher proportion...
03 June 2024
From: Breaking News
03 June 2024
From: Breaking News
![Building Societies' mortgage lending booms ahead of banks](/upload/images/24%2006%2003%20%204.jpg)
Building societies' mortgage balances grew in the six months between October 2023 and March 2024, when they had declined across the...
03 June 2024
From: Breaking News
![Period Home premiums and overheads deter buyers - new analysis](/upload/images/24%2006%2003%20%205.jpg)
An analysis of period property transactions reveals that demand has slumped as low as 39.2% of previous highs because of premiums...
03 June 2024
From: Breaking News
![Boost for First Time Buyer lending as last-gasp law change approved](/upload/images/24%2005%2030%20%2002.jpg)
The Building Societies Act 1986 (Amendment Bill) successfully passed its legislative stages as part of the last minute ‘wash up’ of...
30 May 2024
From: Breaking News
![House Buyers not deterred by General Election - Rightmove data](/upload/images/24%2005%2030%20%2003.jpg)
New data from Rightmove reveals that 95% of people planning to move home say the July General Election will not affect...
30 May 2024
From: Breaking News
![High Interest Rates push buyers into smaller property purchases](/upload/images/24%2005%2028%20%2003.jpg)
An online agency has analysed current housing market listings to see which types of home are most in demand from England’s...
28 May 2024
From: Breaking News
![Buyers stung by high hidden costs when moving home](/upload/images/24%2005%2028%20%2005.jpg)
New research from Compare the Market has revealed that nearly seven in 10 households have been caught out by surprise costs...
28 May 2024
From: Breaking News
![Emerging Market Identified - many more first time buyers aged 50-plus](/upload/images/24%2005%2022%20%2002.jpg)
There was a 13% increase in Q1 2024 of 56-65 year-olds searching for their first property compared to the same period...
22 May 2024
From: Breaking News
![Painfully slow house buying process may hit transaction volumes - Rightmove](/upload/images/24%2005%2022%20%2003.jpg)
Rightmove is predicting some 1.1m residential transactions this year - but it says the glacial pace of house buying in the...
22 May 2024
From: Breaking News
![Mortgage Costs make buying in much of London hugely dearer than renting](/upload/images/24%2005%2020%20%2004.jpg)
Londoners looking to buy a home can expect to spend 42% more on monthly mortgage payments than tenants pay on rent,...
20 May 2024
From: Breaking News
![Building Societies target first time buyers with affordability issues](/upload/images/24%2005%2009%20%2002.jpg)
Research from independent mortgage monitor Moneyfactscompare suggests that building societies are working hard to support first-time buyers, for whom affordability has...
09 May 2024
From: Breaking News
![Mortgage costs push housing market into north-south divide](/upload/images/24%2005%2009%20%2003.jpg)
It might look like house prices have stabilised, staying relatively flat over the first four months of 2024, but at least...
09 May 2024
From: Breaking News
![Mortgage costs trigger sales surge, more demand for small units](/upload/images/24%2005%2009%20%2004.jpg)
The average selling price of property across Edinburgh, the Lothians, Fife and the Borders during February-April was £269,963, some 1.5% higher...
09 May 2024
From: Breaking News
![Brokers can educate young borrowers on eco-improvements - claim](/upload/images/24%2005%2009%20%2005.png)
Almost three quarters of Millennial and Gen Z buyers - those aged 18 to 34 - think energy efficiency improvements will...
09 May 2024
From: Breaking News
![Mutual cuts rates twice in a week, against the trend](/upload/images/24%2005%2007%20%2002.jpg)
The Hinckley & Rugby building society has announced two cuts to rates across its mortgage range in short order. After rate cuts...
07 May 2024
From: Breaking News
![Prices of flats rising faster than any other property type](/upload/images/24%2005%2007%20%2003.jpg)
Big demand for small properties has helped to drive growth in UK property prices in the early months of this year,...
07 May 2024
From: Breaking News
![Mortgages target borrowers with CCJs and defaults](/upload/images/24%2005%2001%20%2001.jpg)
Aldermore is reintroducing a broader range of mortgages for owner occupiers. The lender says it wants to support often “overlooked customers” with...
01 May 2024
From: Breaking News
![Purplebricks launches Mortgage division targeting first time buyers](/upload/images/24%2005%2001%20%2002.jpg)
Purplebricks has launched Purplebricks Mortgages Limited - taking over from the old Strike Financial Services brand. A year ago the Strike online...
01 May 2024
From: Breaking News
UK residents need an average salary of close to £54,000 to purchase a property, according to new research. The study shows that...
29 April 2024
From: Breaking News
![Expanded range from Chorley and new rates from the Dudley](/upload/images/24%2004%2024%20%2002.jpg)
Chorley Building Society has extensive enhanced its mortgage range with new products for limited company buy to let investors, holiday lets,...
24 April 2024
From: Breaking News
![Mortgage lending plummets ahead of expected summer surge](/upload/images/24%2004%2024%20%2004.jpg)
Mortgage lending has fallen by -28.6% in the past year, according to a new analysis. Octane Capital analysed gross mortgage lending data*...
24 April 2024
From: Breaking News
![Broker industry revenue set to pass £2.5 billion by 2030](/upload/images/24%2004%2024%2005.jpg)
Jonathan Samuels, chief executive of Octane Capital, believes that with the property market now showing early signs of a return to...
24 April 2024
From: Breaking News
![Credit Set to be More Selective as lenders’ worries rise - new stats](/upload/images/240422%20%2004.jpg)
New Financial Conduct Authority statistics display housing market turbulence over the past two years, raising concerns about buyers and lenders in...
22 April 2024
From: Breaking News
![Record long mortgage terms for first time buyers](/upload/images/24%2004%2017%20%20%2001.jpg)
An analysis of government house price data by business consultancy Hargreaves Lansdown suggests the typical mortgage term for a first time...
17 April 2024
From: Breaking News
![MPs To Probe Home Buyer Information - is it good enough?](/upload/images/24%2004%2017%20%20%2004.jpg)
MPs on the all-party Levelling Up, Housing and Communities Select Committee want to quiz representatives from across the house selling community about...
17 April 2024
From: Breaking News
![Wealthier Home Movers Undeterred by General Election](/upload/images/24%2004%2017%20%20%2005.jpg)
The majority of buyers and sellers in the prime housing market will not be deterred by the upcoming General Election, claims...
17 April 2024
From: Breaking News
![Top Three Lenders invest in improved house buying process](/upload/images/24%2004%2015%20%20%2002.jpg)
Lloyds Banking Group, Nationwide, NatWest - along with Rightmove - have announced a strategic investment in Coadjute, a prominent PropTech business. This...
15 April 2024
From: Breaking News
![Half of buyers would use ethical finance provider - new research](/upload/images/24%2004%2010%20%2001.jpg)
Almost half (45%) of UK homebuyers would consider using an ethical finance provider that follows Islamic principles, finds Gatehouse Bank. Gatehouse Bank,...
10 April 2024
From: Breaking News
![Shared Ownership has failed to deliver - MPs slam process and costs](/upload/images/24%2004%2010%20%2002.jpg)
Shared ownership has failed to deliver an affordable route to home ownership for too many and for too long, says a...
10 April 2024
From: Breaking News
![Selling Surge over Easter Holidays - and it’s still going on](/upload/images/24%2004%2008%20%2005.jpg)
New data from Rightmove reveals that Thursday March 28 was the biggest day for the number of new sellers coming to...
08 April 2024
From: Breaking News
![How Much Will Mortgage Rates Affect The Housing Market?](/upload/images/240404%20%2001%20by%20Tom%20Bill.jpg)
Recent economic data was reassuringly predictable. We learned that core inflation fell by fractionally more than expected while services inflation proved slightly...
04 April 2024
From: Breaking News
![Down-valuations biting hard across Britain](/upload/images/240404%20%2002.jpg)
New research shows that sellers in Wales are likely to be hit hardest by a down valuation, with the average home...
04 April 2024
From: Breaking News
![How Do First Time Buyers afford to get on the property ladder?](/upload/images/240404%20%2004.jpg)
A 2,000-person survey has revealed the diverse financial routes that first time buyers take to get on the property ladder. The survey...
04 April 2024
From: Breaking News
![Jury’s Out - Is the YBS 99% mortgage a good idea?](/upload/images/240402%20%2001.jpg)
Yorkshire Building Society new fee-free offer will enable first-time buyers across England, Scotland or Wales with a £5,000 deposit to purchase...
02 April 2024
From: Breaking News
![Prominent whole-of-market broker signs extended FinTech deal](/upload/images/240402%20%2003.jpg)
FinTech company Mortgage Brain has struck a strategic partnership with SPF Private Clients, a whole-of-market mortgage broker. The deal caters for a...
02 April 2024
From: Breaking News
![HSBC launches Energy Efficient Homes mortgage range](/upload/images/240402%20%2004.png)
HSBC used the Easter period to launch its Energy Efficient Homes range, tailored for UK residential first time buyers, home movers...
02 April 2024
From: Breaking News
![Lender hires TV property guru to highlight empty homes scandal](/upload/images/240327%20%2001.jpg)
Homes Under The Hammer property expert Lucy Alexander is fronting a new campaign to identify empty homes and bring them back...
27 March 2024
From: Breaking News
![Analysis shows long term rebalancing housing market](/upload/images/240327%20%2002.jpg)
The average volume of UK properties listed for sale month-on-month rose by 58% in 2023 compared to a year previously, underscoring...
27 March 2024
From: Breaking News
![Mortgage Reforms urged to boost Home Ownership](/upload/images/240327%20%2005.jpg)
A think tank is urging the UK government to initiate mortgage market reforms to promote higher home ownership. The Social Market Foundation...
27 March 2024
From: Breaking News
![New analysis shows busiest cities for buyers in today’s housing market](/upload/images/24%2003%2020%20%2003.png)
Analysis from estate agency Yopa reveals that while the London market may be the worst performing in terms of house prices, it...
20 March 2024
From: Breaking News
![Stamp Duty and Inheritance Tax blamed for downsizing slump](/upload/images/24%2003%2020%20%2004.jpg)
A buying agency says stamp duty is one of the biggest obstacles to a healthy housing market driven. Recoco Property Search says...
20 March 2024
From: Breaking News
![Analysts unsure whether RICS housing market optimism is justified](/upload/images/24%2003%2018%20%2003.jpg)
The latest housing market snapshot from the Royal Institution of Chartered Surveyors shows the number of buyers has risen for the...
18 March 2024
From: Breaking News
![New analysis shows link between rates and longer mortgage terms](/upload/images/240313%2003.jpg)
The ‘average’ 25 year mortgage term is increasingly becoming a thing of the past says USwitch. A recent study of the data...
13 March 2024
From: Breaking News
![Housing market buoyancy shows mortgage costs not a deterrent](/upload/images/240313%2004.jpg)
New data from Zoopla suggests that the housing market is becoming buoyant despite widespread uncertainty over the exact direction of mortgage...
13 March 2024
From: Breaking News
![Brokerage survey gives surprise result for first time buyers’ affordability](/upload/images/240313%2005.jpg)
A new study has revealed the best and worst UK regions for first-time buyers based on house affordability and earning potential. The...
13 March 2024
From: Breaking News
![Tech-boost for Dutch-style mortgage provider entering the market](/upload/images/240311%2002.jpg)
April Mortgages has struck a deal for new technology to help it introduce Dutch-style loans into the UK. The new mortgage type...
11 March 2024
From: Breaking News
![Dip in demand for new builds as interest rates keep buyers at bay](/upload/images/240311%2004.png)
Homebuyer appetites for new-build properties have dipped. Demand dropped 1.1 per cent in the last quarter according to analysis by easyMoney of...
11 March 2024
From: Breaking News
![Budget Day - Rightmove pours cold water on 99% mortgage idea](/upload/images/24%2003%2006%20%2001.jpg)
Rightmove says the housing market needs a more innovative mortgage initiative than the 99 per cent idea floated by the government. The...
06 March 2024
From: Breaking News
![Was Halifax rate reduction just a cynical marketing ploy?](/upload/images/24%2003%2004%20%2002.jpg)
Last week Halifax - previously an outlier amongst major lenders - announced it was raising rates, following the likes of Santander,...
04 March 2024
From: Breaking News
![Lender says first time buyers lean heavily on families to bag first mortgage](/upload/images/24%2002%2028%20%2002.jpg)
A survey of 2,000 adults by lender Together sheds light on parental help for first time buyers. It shows that a fifth...
28 February 2024
From: Breaking News
![Most activity down to remortgagers not buyers - analysis](/upload/images/24%2002%2028%20%2005.jpg)
Remortgagers, not buyers, are fuelling the increase in mortgage industry activity. That’s the view of Octane Capital following an analysis of Bank...
28 February 2024
From: Breaking News
![Halifax throws “a massive mortgage curveball” defying rivals](/upload/images/24%2002%2026%20%2001.jpg)
Halifax moved entirely in the opposite direction to its rivals at the very end of last week, cutting rates instead of...
26 February 2024
From: Breaking News
![Stamp Duty’s damage to borrowers exposed by building society](/upload/images/24%2002%2026%20%2003.jpg)
The true cost of stamp duty is two thirds greater than the tax itself because it obliges buyers to spend far...
26 February 2024
From: Breaking News
![Coupling Up - why so many mortgage applicants are duos](/upload/images/24%2002%2021%20%2001.jpg)
A property agency has analysed the lending and housing markets to work out why so many mortgage applicants are couples. Benham and...
21 February 2024
From: Breaking News
![Rent To Home initiative aims to woo local first time buyers](/upload/images/24%2002%2021%20%2002.jpg)
A unique system of returning rent to tenants to allow them to save for a deposit on a property has been...
21 February 2024
From: Breaking News
![Surge in interest in Energy Efficient Homes - study’s claim](/upload/images/24%2002%2021%20%2003.png)
There’s been a surge in enthusiasm for energy efficient homes according to research from heat pump advocates OVO. It says that a...
21 February 2024
From: Breaking News
![Worst Case Scenario - mortgage costs up hundreds per year](/upload/images/24%2002%2021%20%2004.jpg)
A specialist lender claims that first-time buyers could see annual mortgage costs climb by £398 per year, while landlords suffer a...
21 February 2024
From: Breaking News
![NatWest rates up and plenty of others to follow - warning](/upload/images/24%2002%2019%20%2001.jpg)
NatWest has made changes to its product ranges for both new business and existing customers. New borrowers can expect a rate increase...
19 February 2024
From: Breaking News
![It’s Back! Confidence returns to the mortgage market says IMLA](/upload/images/240214%2001.jpg)
The latest Mortgage Market Tracker report from the Intermediary Mortgage Lenders Association reveals that confidence has returned to the mortgage market,...
14 February 2024
From: Breaking News
![First Time Buyers aged 50-plus “one of fastest growing sectors”](/upload/images/240214%2002.jpg)
There were 12,000 first time buyers over the age of 50 in the UK in 2022, the latest figures available. This means that...
14 February 2024
From: Breaking News
![Octane Capital issues a brutal warning on mortgage rates](/upload/images/240214%2005%20%20by%20Jonathan%20Samuels.jpg)
By Jonathan Samuels, chief executive of specialist property lender Octane Capital, writes: The Bank of England’s decision to hold interest rates on...
14 February 2024
From: Breaking News
![Revolutionary new mortgage product sees rates fall as LTV improves](/upload/images/240212%2001.jpg)
There’s been widespread speculation that the UK is just weeks away from seeing the launch of a Dutch mortgage product with...
12 February 2024
From: Breaking News
![Falling house prices and big mortgages – three major risks](/upload/images/24%2002%2007%2003.jpg)
Business consultancy Hargreaves Lansdown has identified three major risks associated with the current market, characterised by falling house prices and larger...
07 February 2024
From: Breaking News
![Mortgage Market Bounce drives housing market recovery](/upload/images/24%2002%2005%2003.jpg)
The number of mortgages offered to home buyers went up from 49,300 in November to 50,500 in December, against the normal...
05 February 2024
From: Breaking News
![Halifax explains why most first time buyer applications are in joint names](/upload/images/24%2002%2005%2005.jpg)
Almost two thirds of first time buyers mortgage completions are in joint names (with two or more people), according to the...
05 February 2024
From: Breaking News
![First Time Buyers less reliant on parents for raising deposits - research](/upload/images/24%2001%2031%2001.jpg)
New research indicates that the Bank of Mum and Dad may not be as prevalent as it once was, with the...
31 January 2024
From: Breaking News
![House prices fragile but sentiment amongst buyers very strong - Savills](/upload/images/24%2001%2031%2003.jpg)
Respected estate agency and property consultancy Savills is warning that house prices may dip in 2024. In the run-up to Christmas it...