Moving Home with Charlie

One week until the Budget, I went live to take your questions. I started with the latest borrowing figures: the government borrowed another £24.5 billion in September, and interest on our national debt is now £11 billion a month, which is more than it would cost to scrap stamp duty on main homes for a whole year. With inflation up again and a base rate rise likely in November, uncertainty is only going one way, so I set out exactly what I would do right now to make a move more certain as a seller, as a buyer, and as someone doing both. Then I answered your questions from the chat, from whether we'll see anything done to stamp duty in the Budget to the best time of year to make an offer in a buyers' market.

Housing Stig and I will be reacting to the Budget live at 12:30pm on Wednesday 28 October.

Watch the full stream on YouTube: https://www.youtube.com/watch?v=BpVkpPg7Bbc
Support the show
Follow me on X for daily updates: https://x.com/moving_charlie 

🎥 Charlie's Golden rules videos for
Buyers: https://www.youtube.com/watch?v=h6T-uZ28a80 
Sellers: https://www.youtube.com/watch?v=W9oR28aWLOs 
Offering: https://www.youtube.com/watch?v=iZaDs7uZ5Hw

🎥 Playlist of FTB advice - https://www.youtube.com/playlist?list=PLKomt2RI3JYnJ3imNEWjKGkszf_bzqDfe

📧 E-mail template for cash offers - https://mhwc.co.uk/email-templates/suggested-email-offer-template-for-cash-buyers/

📧 E-mail template for FTB mortgaged offers - https://mhwc.co.uk/suggested-email-template-for-first-time-buyers-making-an-offer-with-a-mortgage/

💰Speak to Charlie’s recommended mortgage brokers - https://mhwc.co.uk/mortgage/

🧑‍⚖️ Get a quote from Charlie’s recommended conveyancers - https://mhwc.co.uk/conveyancing/
...

Tonight I went live on Rightmove's u-turn on house prices. After months of headlines about record asking prices, Rightmove now says September 2026 was the busiest month for asking price reductions since 2011, with just over 3,000 listings a day being cut, and that homes priced competitively from the start sell far faster. I explained why that message comes too late for many sellers this year, why buyers set prices, why overpricing pushes buyers away for good, and whether now is a good time to buy. Then I took your questions from the chat, from sellers who've been stuck on the market for months to buyers deciding how much to offer.

Watch the full stream on YouTube: https://www.youtube.com/watch?v=lD9ZO1hOr3M
Support the show
Follow me on X for daily updates: https://x.com/moving_charlie 

🎥 Charlie's Golden rules videos for
Buyers: https://www.youtube.com/watch?v=h6T-uZ28a80 
Sellers: https://www.youtube.com/watch?v=W9oR28aWLOs 
Offering: https://www.youtube.com/watch?v=iZaDs7uZ5Hw

🎥 Playlist of FTB advice - https://www.youtube.com/playlist?list=PLKomt2RI3JYnJ3imNEWjKGkszf_bzqDfe

📧 E-mail template for cash offers - https://mhwc.co.uk/email-templates/suggested-email-offer-template-for-cash-buyers/

📧 E-mail template for FTB mortgaged offers - https://mhwc.co.uk/suggested-email-template-for-first-time-buyers-making-an-offer-with-a-mortgage/

💰Speak to Charlie’s recommended mortgage brokers - https://mhwc.co.uk/mortgage/

🧑‍⚖️ Get a quote from Charlie’s recommended conveyancers - https://mhwc.co.uk/conveyancing/
...

Sources for every fact: https://mhwc.co.uk/blog/5-fact-friday-16th-october-2026/

Mortgage rates are still climbing, with five-year fixes averaging 6% and two-year fixes almost 6%, and the gap between the asking price of listings and the asking price of homes that sell is 17.8%. Viewings per property have halved in two years. Connells found sellers with upfront search packs had 43% fewer fall-throughs and exchanged 37% faster. The gap between new listings and agreed sales hit a 12-month high, with September listings up 15% and agreed sales down 16%. Average advertised rents passed £1,400 a month for the first time, with London around £2,800. Bonus: 470 more buildings have completed cladding remediation, but it's far too slow.

Watch the full livestream: https://www.youtube.com/watch?v=dDkFh1DFZIo
Support the show
Follow me on X for daily updates: https://x.com/moving_charlie 

🎥 Charlie's Golden rules videos for
Buyers: https://www.youtube.com/watch?v=h6T-uZ28a80 
Sellers: https://www.youtube.com/watch?v=W9oR28aWLOs 
Offering: https://www.youtube.com/watch?v=iZaDs7uZ5Hw

🎥 Playlist of FTB advice - https://www.youtube.com/playlist?list=PLKomt2RI3JYnJ3imNEWjKGkszf_bzqDfe

📧 E-mail template for cash offers - https://mhwc.co.uk/email-templates/suggested-email-offer-template-for-cash-buyers/

📧 E-mail template for FTB mortgaged offers - https://mhwc.co.uk/suggested-email-template-for-first-time-buyers-making-an-offer-with-a-mortgage/

💰Speak to Charlie’s recommended mortgage brokers - https://mhwc.co.uk/mortgage/

🧑‍⚖️ Get a quote from Charlie’s recommended conveyancers - https://mhwc.co.uk/conveyancing/
...

5 Fact Friday: the housing market is in "Limp Mode", with listings backing up into a jam. Five facts on what's happening in the UK property market right now, plus your questions from the chat.

Watch the full stream on YouTube: https://www.youtube.com/watch?v=dDkFh1DFZIo
Support the show
Follow me on X for daily updates: https://x.com/moving_charlie 

🎥 Charlie's Golden rules videos for
Buyers: https://www.youtube.com/watch?v=h6T-uZ28a80 
Sellers: https://www.youtube.com/watch?v=W9oR28aWLOs 
Offering: https://www.youtube.com/watch?v=iZaDs7uZ5Hw

🎥 Playlist of FTB advice - https://www.youtube.com/playlist?list=PLKomt2RI3JYnJ3imNEWjKGkszf_bzqDfe

📧 E-mail template for cash offers - https://mhwc.co.uk/email-templates/suggested-email-offer-template-for-cash-buyers/

📧 E-mail template for FTB mortgaged offers - https://mhwc.co.uk/suggested-email-template-for-first-time-buyers-making-an-offer-with-a-mortgage/

💰Speak to Charlie’s recommended mortgage brokers - https://mhwc.co.uk/mortgage/

🧑‍⚖️ Get a quote from Charlie’s recommended conveyancers - https://mhwc.co.uk/conveyancing/
...

Tonight's live was a little different: a first-of-its-kind update on BestAgent, the home moving marketplace built to halve transaction times and fall-throughs. I went through the seven groups of people involved, from the advisory board, exec team and platform partners to estate agents and the BestAgent Club, home movers, the media and chip holders, then shared some facts and figures on the platform's scale today: around 4,000 registered movers, 1.1 million properties in the system and 43 applications working together behind the scenes. I finished with a couple of your questions from the chat. Normal service resumes with 5 Fact Friday.

Watch the full stream on YouTube: https://www.youtube.com/watch?v=jrw2W90EImg
Support the show
Follow me on X for daily updates: https://x.com/moving_charlie 

🎥 Charlie's Golden rules videos for
Buyers: https://www.youtube.com/watch?v=h6T-uZ28a80 
Sellers: https://www.youtube.com/watch?v=W9oR28aWLOs 
Offering: https://www.youtube.com/watch?v=iZaDs7uZ5Hw

🎥 Playlist of FTB advice - https://www.youtube.com/playlist?list=PLKomt2RI3JYnJ3imNEWjKGkszf_bzqDfe

📧 E-mail template for cash offers - https://mhwc.co.uk/email-templates/suggested-email-offer-template-for-cash-buyers/

📧 E-mail template for FTB mortgaged offers - https://mhwc.co.uk/suggested-email-template-for-first-time-buyers-making-an-offer-with-a-mortgage/

💰Speak to Charlie’s recommended mortgage brokers - https://mhwc.co.uk/mortgage/

🧑‍⚖️ Get a quote from Charlie’s recommended conveyancers - https://mhwc.co.uk/conveyancing/
...