Guides
Plain-English guides.
A handful of careful explainers on how the numbers work, what the rules actually say, and where buyers commonly trip up.
Available now
- Stamp duty, explained — how the bands work in England, Scotland, and Wales; first-time buyer relief; the second-home surcharge; what the recent changes mean.
- Why you pay so much interest in year one — the amortisation curve, why a 25-year mortgage costs roughly twice the loan, and the levers you can pull.
- What a lender actually looks at — income multiples are only the headline. Stress testing, outgoings, and the deposit / LTV trade-off.
More guides on the way: remortgaging, fixed vs tracker, overpaying, joint borrower sole proprietor mortgages, and the buy-to-let tax basics.
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