Buying a neighbour's garden strip or an adjoining plot soon after your house purchase can trigger HMRC's SDLT 'linked transaction' rules, pushing you into a higher stamp duty band. How it works in 2026.
Buying a £450,000 second home or buy-to-let in 2026 costs £30,000 in Stamp Duty Land Tax — standard rates plus the 5% surcharge. Full band-by-band breakdown.
A worked case study showing exactly how much a homeowner's tracker mortgage payment changes after a 0.25% and 0.5% Bank of England rate move, on a £250,000 loan in 2026.
How council tax premiums on long-term empty homes work in 2026/27 — the escalating percentage by years empty, exemptions for probate and renovation, and how landlords and owners can avoid the charge.
The minimum deposit is usually 5-10% of the purchase price, but the deposit size you choose has a big effect on the mortgage rate you're offered. Here's how deposit size, loan-to-value bands and monthly cost interact.
How guarantor loans and guarantor mortgages work in the UK, the credit and financial risks to the guarantor, and the tax and Inheritance Tax treatment if a guarantor has to pay.
Overpaying your mortgage guarantees a return equal to your interest rate — but most lenders cap penalty-free overpayments at 10% a year, and it isn't always the best use of spare cash compared to a pension or ISA. Here's how to decide.
What UK landlords must check before letting a property in 2026/27 — acceptable documents, the online digital service, retrospective checks and the fines for getting it wrong.
A full worked calculation of Land and Buildings Transaction Tax plus the 8% Additional Dwelling Supplement on a Scottish second home purchase in 2026/27, band by band.
How the tenancy deposit cap works for high-rent properties in England — the 5-week vs 6-week rule at the £50,000 annual rent threshold, worked examples and protection rules for 2026/27.
Guarantor mortgages help first-time buyers with insufficient income or deposit get on the ladder. Here's how they work, what the guarantor risks, and how they compare to JBSP mortgages.
How Land Transaction Tax higher residential rates apply to second homes and buy-to-let purchases in Wales in 2026/27, with a full band-by-band worked calculation.
