Mortgage rates, stamp duty (SDLT, LBTT, LTT), affordability, remortgaging and buy-to-let. Practical worked examples on real UK property prices.
EWS1 ratings, which lenders accept B1/B2 cladding, the Building Safety Fund, and a practical checklist for buyers of flats with cladding issues.
What buildings and contents insurance covers, how to set your sum insured correctly, flood risk ratings, new-build cover, and HMO insurance requirements.
A practical guide to improving your UK credit score: how the three CRAs work, what affects your score, free checking tools, correcting errors, and mortgage prep.
How much estate agents charge, sole vs multi-agency, fixed fee online agents, what's included, and when an auction might be a better alternative to a traditional sale.
When an interest-only mortgage ends, the full capital is due. Know your options: sell, remortgage to repayment, part-and-part, lifetime mortgage, or extending the term.
How the UK mortgage guarantee scheme works, which lenders offer 95% LTV mortgages, eligible properties up to £600,000, and how it compares to the Lifetime ISA route.
Beyond the purchase price: SDLT, conveyancing, surveys, mortgage fees, removals and more. Typical additional costs range from £4,000 to £12,000 or more.
Start looking 6 months before your fix ends. How to lock a rate early, calculate ERCs, compare 2yr vs 5yr vs tracker, and decide whether to port or overpay first.
A first-time landlord's practical 2026/27 tax checklist — registering for Self Assessment, declaring rental income, allowable expenses, the Section 24 mortgage interest restriction, and what happens when you eventually sell.
Buying a holiday home or second property in 2026/27 means paying a 5% SDLT surcharge on top of standard rates. Here's the worked maths on a £350,000 second home, and how the 3-year refund window works if you sell your main home.
A step-by-step walkthrough of calculating Capital Gains Tax when you sell a buy-to-let property in 2026/27 — allowable costs, the 18%/24% rates, the 60-day reporting deadline, and a full worked example.
How a concessionary purchase or gifted equity deal works when buying property from a family member below market value in 2026/27, including mortgage, Stamp Duty and Inheritance Tax implications.
