Moving Home with Charlie

Tonight I went live to talk about mortgage approvals collapsing 19% in one month - the Bank of England's August figures against July - what that tells us about where the market is heading, and then took your moving questions in a live Q&A. Thanks to everyone who joined in the chat. Watch the full stream on YouTube: https://www.youtube.com/watch?v=dkklOaUs-H8 Support the showFollow me on X for daily updates: https://x.com/moving_charlie 

Tonight I went live to weigh up the pros and cons of "your first home" - what really matters when you're buying your first place, where people get caught out, and what I'd think about before committing. Thanks to everyone who joined in the chat. Watch the full stream on YouTube: https://www.youtube.com/watch?v=uwmc6_OTZkk Support the showFollow me on X for daily updates: https://x.com/moving_charlie 

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, which distorts pricing all the way down the chain. A flat proportional property tax that replaced stamp duty would do far less damage. Fact two: Rightmove shows first-time buyer asking prices falling both month on month and year on year, national asking prices down about 1.8% year on year (a leading indicator), and buyer enquiries down 9%. That's good news for first-time buyers, who get more choice and less competition, but rising mortgage rates and youth unemployment are hitting that cohort hardest. Fact three: government borrowing is only down year to date because tax receipts are up, and spending is £7 billion over the OBR forecast. The gilt market punishes that with higher yields, which feed into higher mortgage rates, smaller buyer budgets and slower transactions. Fact four: PropertyMark reports transaction times at a record high. The root causes are agents overvaluing homes to win instructions, a proptech industry built to support that overvaluing, and poor conveyancing, and nothing in the government's plans tackles any of them. Fact five: BestAgent now lists more homes for sale in England and Wales than Rightmove, because Rightmove only carries agents who pay its subscription. Watch the full livestream: https://www.youtube.com/watch?v=ChY2hHhzgnM Support the showFollow me on X for daily updates: https://x.com/moving_charlie 

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

Rightmove: More Price Falls — this time for first-time buyers. Live Q&A with Charlie. Full livestream: https://www.youtube.com/watch?v=_Dvu1e25Ubc Support the showFollow me on X for daily updates: https://x.com/moving_charlie 

5 Fact Friday: Help to Buy Votes coming back? Full livestream: https://www.youtube.com/watch?v=O15KnByzo5U Support the showFollow me on X for daily updates: https://x.com/moving_charlie 

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/URsiJXV5ekQSupport the showFollow me on X for daily updates: https://x.com/moving_charlie 

Watch the video here: https://youtube.com/live/j9c5teHKJC8Support the showFollow me on X for daily updates: https://x.com/moving_charlie 

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 mortgage rates after the bond-market turmoil, many by around 0.15 percentage points, with NatWest and HSBC having moved earlier; 30-year gilt yields hit their highest level since 1998, and further rate rises will squeeze buyer budgets and first-time-buyer prices hardest. Property Mark's leasehold survey has 93% of leaseholders saying they would not buy leasehold again, and more than 70% of agents saying they have pulled unsellable leasehold flats from the market. High loan-to-value lending is back at stress levels: Bank of England data (8 September) show 8.4% of gross mortgage advances in Q2 2026 had an LTV above 90% — up 0.4 percentage points on the quarter and the highest share since 2008 — with about half a percent of new advances on a 5% deposit or less. And while five banks hike mortgage rates, Mortgage Advice Bureau shares slide on a profit warning: gilt and bond uncertainty hits housing-market businesses (around 60% of deals need a mortgage), slows the giant transaction chain, snows brokers under with reprices and pulled deals, and looks set to kill this year's autumn market before it even gets going.Support the showFollow me on X for daily updates: https://x.com/moving_charlie 

https://mhwc.co.uk/5-fact-friday/5-fact-friday-11th-september-2026/All my links: https://linktr.ee/movinghomewithcharlieWatch the video here: https://youtube.com/live/lw-u-DYuXNUSupport the showFollow me on X for daily updates: https://x.com/moving_charlie 

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_4AVicky's reel on House Priceshttps://www.instagram.com/reels/DdBwH8fEotG/All my links: https://linktr.ee/movinghomewithcharlieSupport the showFollow me on X for daily updates: https://x.com/moving_charlie 

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=TMc26Uk5CgMSupport the showFollow me on X for daily updates: https://x.com/moving_charlie 

https://mhwc.co.uk/5-fact-friday/pre-budget-bond-market-panic-hits-mortgage-rates/All my links: https://linktr.ee/movinghomewithcharlie

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/0guHYucEWatch the video here: https://youtube.com/live/JcksJnCanNESupport the showFollow me on X for daily updates: https://x.com/moving_charlie 

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/newsletterIf you want a personal reply from me:Movers club (written replies, cancel anytime): https://buymeacoffee.com/mhwc/membershipPrivate video call: https://www.buymeacoffee.com/mhwc/extrasStart here if you are new:https://www.youtube.com/playlist?list=PLYzwOTvItq78Charlie's Golden Rules:https://www.youtube.com/playlist?list=PLR0QaLdpWgs8Offer email templates:With a mortgage: https://mhwc.co.uk/suggested-email-template-for-first-time-buyers-making-an-offer-with-a-mortgage/Cash: https://mhwc.co.uk/email-templates/suggested-email-offer-template-for-cash-buyers/If you're mid-move in the UK, take ownership of who you use. If you haven't found people you trust, or you haven't got the time:Mortgage brokers: https://mhwc.co.uk/mortgage/Conveyancers: https://mhwc.co.uk/conveyancing/Surveys (England and Wales): https://mhwc.co.uk/surveys/Search pack: https://mhwc.co.uk/property-pack/Looking for a home or an agent:https://bestagent.co.ukReport a sold price (open-source index):https://bestagent.property/hpiEverything else is on Linktree:https://linktr.ee/movinghomewithcharlieKeep moving.Support the showFollow me on X for daily updates: https://x.com/moving_charlie 

https://mhwc.co.uk/5-fact-friday/5-fact-friday-28th-august-2026/All my links: https://linktr.ee/movinghomewithcharlieWatch the video here: https://youtube.com/live/XF4aTzk80T4Support the showFollow me on X for daily updates: https://x.com/moving_charlie 

The BBC clip I'm reacting to: https://youtu.be/zAvnHgYaNn4Ask live. Mark your question "Question".https://linktr.ee/movinghomewithcharlieWatch the video here: https://youtube.com/live/fL0j4uzsT_oSupport the showFollow me on X for daily updates: https://x.com/moving_charlie 

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/movinghomewithcharlieWatch the video here: https://youtube.com/live/YayIEfVgdgkSupport the showFollow me on X for daily updates: https://x.com/moving_charlie 

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

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/movinghomewithcharlieKeep moving.Watch the video here: https://youtube.com/live/eKwrs6MBvn8Support the showFollow me on X for daily updates: https://x.com/moving_charlie 

https://www.rightmove.co.uk/news/content/uploads/2026/08/Rightmove-HPI-17th-August-2026.pdfAll my links: https://linktr.ee/movinghomewithcharlieWatch the video here: https://youtube.com/live/S00_jBx4PEgSupport the showFollow me on X for daily updates: https://x.com/moving_charlie 

https://mhwc.co.uk/5-fact-friday/5-fact-friday-14th-august-2026/All my links: https://linktr.ee/movinghomewithcharlieSupport the showFollow me on X for daily updates: https://x.com/moving_charlie 

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-kfnxf8pjphttps://www.telegraph.co.uk/business/2026/08/09/the-collapse-of-the-boomer-property-dream/All my links: https://linktr.ee/movinghomewithcharlieWatch the video here: https://youtube.com/live/j6KKE1Mccx4Support the showFollow me on X for daily updates: https://x.com/moving_charlie 

All my links: https://linktr.ee/movinghomewithcharlieWatch the video here: https://youtube.com/live/ymYKHY3Gq70Support the showFollow me on X for daily updates: https://x.com/moving_charlie 

https://mhwc.co.uk/5-fact-friday/5-fact-friday-7th-august-2026/All my links: https://linktr.ee/movinghomewithcharlieWatch the video here: https://youtube.com/live/xJeu0IKe4BoSupport the showFollow me on X for daily updates: https://x.com/moving_charlie 

All my links: https://linktr.ee/movinghomewithcharlieWatch the video here: https://youtube.com/live/KnzmWaYQ494Support the showFollow me on X for daily updates: https://x.com/moving_charlie 

All my links: https://linktr.ee/movinghomewithcharlieWatch the video here: https://youtube.com/live/SM7IJUXf4D4Support the showFollow me on X for daily updates: https://x.com/moving_charlie 

"Move People", BestAgent's mantra. People only move when there's a completed transaction, thus completed transactions are BestAgent's north star and guide everything we do. We're not here for buyers, sellers or agents, we're here for transactions because they benefit all of the above.BestAgent is a housing transaction marketplace whose sole aim is shorter transactions and fewer fall throughs. Broadcast live on 14 July 2026 by founder, Charlie LamdinFollow BestAgent on all socials here for more:https://linktr.ee/bestagentActivate your free BackOffice account at BestAgent, don't miss  seller leads.https://bestagent.online/regLeadTo find out more about the BestAgent Club, a community of like-minded agents seeking to raise the bar together on fees, service levels and outcomes, visit https://bestagent.club/Support the showFollow me on X for daily updates: https://x.com/moving_charlie 

https://mhwc.co.uk/5-fact-friday/5-fact-friday-10th-july-2026/All my links: https://linktr.ee/movinghomewithcharlieSupport the showFollow me on X for daily updates: https://x.com/moving_charlie 

All my links: https://linktr.ee/movinghomewithcharlieWatch the video here: https://youtube.com/live/RU4Nfp6mKgASupport the showFollow me on X for daily updates: https://x.com/moving_charlie 

These details matter. Make sure you know how your agent operates. 10 Golden Rules for Home Sellershttps://www.youtube.com/watch?v=W9oR28aWLOsAll my links: https://linktr.ee/movinghomewithcharlieBook a 1-1 video call with me here: https://buymeacoffee.com/mhwc/extrasSupport the showFollow me on X for daily updates: https://x.com/moving_charlie 

https://mhwc.co.uk/5-fact-friday/5-fact-friday-3rd-july-2026/Watch the video here: https://youtube.com/live/94M13JyjIQISupport the showFollow me on X for daily updates: https://x.com/moving_charlie 

All my links: https://linktr.ee/movinghomewithcharlieWatch the video here: https://youtube.com/live/wT8y47von54Support the showFollow me on X for daily updates: https://x.com/moving_charlie 

https://mhwc.co.uk/5-fact-friday/5-fact-friday-26th-june-2026/Support the showFollow me on X for daily updates: https://x.com/moving_charlie 

https://linktr.ee/movinghomewithcharlieWatch the video here: https://youtube.com/live/UiC8_mOxsVQSupport the showFollow me on X for daily updates: https://x.com/moving_charlie 

https://mhwc.co.uk/5-fact-friday/5-fact-friday-5th-june-2026/Watch the video here: https://youtube.com/live/5K1jh6yW6MgSupport the showFollow me on X for daily updates: https://x.com/moving_charlie 

All my links: https://linktr.ee/movinghomewithcharlieWatch the video here: https://youtube.com/live/NLmknQmoB8oSupport the showFollow me on X for daily updates: https://x.com/moving_charlie 

https://mhwc.co.uk/5-fact-friday/5-fact-friday-5th-june-2026/Watch the video here: https://youtube.com/live/ZH5eIaCG3PcSupport the showFollow me on X for daily updates: https://x.com/moving_charlie 

Follow Kezia on X: https://x.com/kezia_noble?s=21Support the showFollow me on X for daily updates: https://x.com/moving_charlie 

All my links: https://linktr.ee/movinghomewithcharlieWatch the video here: https://youtube.com/live/TUmzntZbH04Support the showFollow me on X for daily updates: https://x.com/moving_charlie 

https://mhwc.co.uk/5-fact-friday/5-fact-friday-29th-may-2026/ Watch the video here: https://youtube.com/live/rtrS6WPy0LcSupport the showFollow me on X for daily updates: https://x.com/moving_charlie 

All my links: https://linktr.ee/movinghomewithcharlieWatch the video here: https://youtube.com/live/xuFvxWUCBrASupport the showFollow me on X for daily updates: https://x.com/moving_charlie 

https://mhwc.co.uk/5-fact-friday/5-fact-friday-22nd-may-2026/Watch the video here: https://youtube.com/live/HiPF3HLl2zUSupport the showFollow me on X for daily updates: https://x.com/moving_charlie 

https://www.ons.gov.uk/economy/inflationandpriceindices/bulletins/privaterentandhousepricesuk/may2026Watch the video here: https://youtube.com/live/FyUWWY-i-LQSupport the showFollow me on X for daily updates: https://x.com/moving_charlie 

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https://mhwc.co.uk/5-fact-friday/5-fact-friday-15th-may-2026/Support the showFollow me on X for daily updates: https://x.com/moving_charlie 

Live weekly workshop, ask your questions in the Live Chat.All my links: https://linktr.ee/movinghomewithcharlieWatch the video here: https://youtube.com/live/bvCuuJV-USMhttps://youtube.com/live/bvCuuJV-USMSupport the showFollow me on X for daily updates: https://x.com/moving_charlie 

10 year gilt yields (gov borrowing rates) are back up to record highs as Starmer refuses to leave post. Political turmoil, financial turmoil, what's going on and how does it affect your move? Come and ask me your questions. All my links: https://linktr.ee/movinghomewithcharlieBook a private video call with me: https://buymeacoffee.com/mhwc/extrasWatch the video here: https://youtube.com/live/IjNMWd1PuWQSupport the showFollow me on X for daily updates: https://x.com/moving_charlie 

https://mhwc.co.uk/5-fact-friday/5-fact-friday-8th-may-2026/Support the showFollow me on X for daily updates: https://x.com/moving_charlie 

All my links: https://linktr.ee/movinghomewithcharlieWatch the video here: https://youtube.com/live/DGX2oycq2LESupport the showFollow me on X for daily updates: https://x.com/moving_charlie 

https://mhwc.co.uk/5-fact-friday-1st-may-2026/Watch the video here: https://youtube.com/live/cpr95WcHCVESupport the showFollow me on X for daily updates: https://x.com/moving_charlie