While 2023 may also prove challenging for investors, it’s clear that there will be opportunities in assets with strong long-term fundamentals.

With mortgage rates up, affordability tests tightening and commentators acknowledging that house prices are likely to fall further next year, is 2023 the year first-time buyers have been waiting for?

Retailers have been preparing for the holiday shopping season for months. With rising inflation and fears of a recession, affordability is top concern for shoppers this Christmas.