Welcome to 2026 and the mortgage market has wasted no time getting moving.HSBC has become the first major lender to cut fixed rates, signalling a more competitive start to the year than many expected.We are already seeing early rate reductions, buyer confidence picking up, and affordability starting to ease, with lenders keen to win business from day one.If you are thinking about moving home or reviewing your mortgage this year, January could be a smart time to start the conversation.

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