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Georgie Frost, Simon and Lee Boyce with their annual review episode: Simon and Lee assess the last twelve months, looking at what's happened to mortgage and savings rates, house prices and investments, and what changes may be to come in 2025. It's been quite an eventful year with changes of government on both sides of the pond ...

House price predictions for next year have started to roll in, so where do the experts think they are headed next? Georgie Frost, Helen Crane and Lee Boyce discuss the property market - and delve into figures that attempt to tackle the tricky question: is it harder to buy a home now versus 50 years ago? And sticking with property, Halifax has launched a highly unusual fixed-rate mortgage — should borrowers be tempted? With the weather turning colder, we talk how to stay warm this winter without breaking the bank and whether it is worth getting a fixed tariff with your energy firm. We reveal the amount you should have saved in your pension in every decade of your life to guarantee a golden retirement — and how much notice you should pay to these formulas. And lastly, Lee reveals his top tips for avoiding the out of contract rip-off trap — and how he's saving more than £400 in the next 12 months by doing so.

Inflation's spell below the Bank of England's 2% target has been brief and the latest CPI figure came in at a higher than expected 2.3%. Meanwhile, Bank of England boss Andrew Bailey has joined the Office of Budget Responsibility in stating that the recent Autumn Budget is likely to lift inflation, as employers face higher costs from national insurance and the rising minimum wage. On the other side of the Atlantic, President-elect Donald Trump is seen as bringing his own inflationary pressure, which could spread from the US to the rest of the world. So what does this mean for interest rates? Are cuts about to stall — and what happens next for borrowers and savers? Georgie Frost, Helen Crane and Simon Lambert, talk inflation, rates, mortgages and savings. The team also look at whether those needing to get a mortgage now should fix for two or five years. Plus, why the row over inheritance tax and farmers is symptomatic of Britain's bad tax system — and Simon's plan for a trade-off on IHT-free land. Crane goes on the case of money refunded for a faulty coffee machine much later to an empty gift voucher that had understandably gone in the bin. And finally, the listener question of the week is up and running, and it's one on sticking it to the man and having enough money to quit work for good.

As winter approaches and heating use increases, it's crucial to raise awareness of the dangers of carbon monoxide (CO) poisoning, otherwise known as the "silent killer". Despite the threat, almost one in three UK households still don’t have a CO detector, putting many at risk. Joining Adam Cox to discuss this is SGN’s Social Impact Programme Lead, Dan Edwards.

Adam Cox is joined by Julie Spinks and Jerry Whiteley from WaterSafe to explore recent research findings indicating that more than half of Brits are not engaging approved plumbers, posing risks to the proper execution of plumbing tasks and the safety of their drinking water. The discussion focuses on guiding individuals in ensuring the selection of reliable plumbers and empowering the public to maintain their plumbing effectively. Julie and Jerry offer advice on preventing expensive callouts and share insights into addressing smaller plumbing tasks at home. https://www.watersafe.org.uk/

Georgie Frost, Simon Lambert and Helen Crane ask: do we have a mortgage price war on our hands — the cheapest market rate is now just 4.29%? Meanwhile the gold price is at a record high, and the oil price has fallen to its lowest for the past five months.

We love the idea of transforming our homes so much that an entire cottage TV industry has sprung out of it, ranging from Grand Designs, to Ugly House to Lovely House and Your Home Made Perfect. For Jaemi and Roly Glancy sketching out how they could renovate their properties turned into a start-up helping others envisage what they could do with theirs. Simon Lambert of This is Money speaks to Roly about how they started the business and where it's going.

Adam Cox and Rob Nezard from UK Radiators explore recent research revealing that over two-thirds of Brits are worried about heating their homes in the upcoming winter. They deliberate on the Prime Minister's decision to delay the gas boiler ban, discussing its pros and cons, while addressing the necessary steps before the transition to heat pumps can occur. Additionally, Rob highlights ways to enhance efficiency, reduce heating bills, and advises consumers on avoiding the purchase of unsuitable radiators. https://ukradiators.com/

Adam Cox is joined by Steffan George, who serves as the Managing Director of the Master Locksmith Association. Together, they delve into the concerning increase of rogue locksmiths, posing a threat to the security and financial well-being of British individuals. The discussion revolves around the complicity of search engines in enabling these unscrupulous locksmiths to advertise their services, ultimately leaving unsuspecting homeowners vulnerable. Steffan sheds light on the tell-tale signs of rogue locksmith advertisements, offering valuable insights into this pressing issue. https://www.locksmiths.co.uk/

Adam Cox is joined by Michael Voges, Chief Executive of ARCO, to engage in a thought-provoking conversation centred around ARCO's latest research findings. This research sheds light on the remarkable levels of frustration experienced by older individuals in relation to their available housing options. Together, they explore the innovative concept of Integrated Retirement Communities (IRCs) and how they effectively bridge the gap between traditional care homes and in-home care for the elderly. Furthermore, they delve into ARCO's estimation of a substantial £1 billion saving in NHS and social care costs by implementing IRCs. https://www.arcouk.org/