What mortgage help is available to UK key workers (NHS, teachers, police, and more) in 2026/27, from shared ownership to lender-specific discounts, with worked examples.
A worked case study of how much mortgage a £45,000 salary can support in the UK, covering income multiples, stress testing, take-home pay and deposit requirements.
Same salary, different city — which gives a first-time buyer a bigger mortgage and a smaller deposit hurdle? Comparing Nottingham and Sheffield property prices, stamp duty and affordability in 2026/27.
How the Right to Buy discount is actually calculated, the maximum caps, the repayment-if-you-sell-early rules, and worked examples for houses and flats.
Buying more shares in your shared ownership home — staircasing — triggers valuation fees, legal costs and sometimes extra stamp duty. Full worked examples for 2026.
How the Lifetime ISA's 25% bonus, £4,000 annual limit and 25% withdrawal penalty work, and how to decide whether to use it for a first home or retirement in 2026/27.
A £30,000 salary typically borrows around £135,000 at standard 4.5x income multiples in 2026. Full affordability breakdown, take-home pay and a worked first-time buyer example.
A £35,000 salary typically supports a mortgage of around £157,500 at a 4.5x income multiple in 2026. Take-home pay, deposit sizes and a worked buying example.
Why buying a home above the Lifetime ISA £450,000 price cap in 2026/27 triggers the full 25% withdrawal charge, even though you are still a genuine first-time buyer, with a worked example.
Help to Buy equity loans are interest-free for 5 years, then interest kicks in and repayment is based on your home's current value, not the original loan. Here's exactly how repayment mechanics work in 2026.
From gifted deposits to JBSP mortgages and Lifetime ISAs -- every option for parents helping children onto the property ladder in 2026/27, with IHT and SDLT considerations.
A plain-English guide to the First Homes scheme in 2026 - who qualifies, how the 30 percent discount works, price caps, mortgage rules and the catch on resale.
