As of 1st April 2025, significant changes to Stamp Duty Land Tax (SDLT) have come into effect in England and Northern Ireland, impacting first-time buyers, home movers, investors, and remortgagers. Understanding these updates is crucial for anyone involved in property transactions. Revised Stamp Duty Rates from April 2025 The temporary SDLT thresholds introduced in 2022…
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As homeowners in the UK approach retirement, many find themselves seeking financial solutions that allow them to unlock the value tied up in their property without the need to sell or move. A later life mortgage, often known as equity release, has become an increasingly popular option for older homeowners looking to boost their income,…
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My personal guide for first-time buyers, making the home buying journey less stressful Buying my first home in the UK felt like a mix of excitement, confusion, and pure financial panic. For first time buyers, house-hunting on Rightmove, comparing listings on Zoopla and OnTheMarket, and trying to make sense of UK mortgage deals can be…
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What is Capital Gains Tax? Capital Gains Tax (CGT) is an essential aspect of property investment that applies when you sell a property for more than you paid for it. In the UK, this typically affects buy-to-let properties, second homes, or commercial real estate. The taxable gain is the profit after subtracting the original purchase…
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Before buying a home, conducting a professional home survey and valuation is a smart move that can save you time, money, and stress. These essential steps help identify potential structural issues, ensure you’re paying a fair price, and give you peace of mind by making sure your investment is sound and well-informed. An estate agents…
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When it comes to securing a mortgage for your property, your credit score plays a pivotal role. A higher score not only increases your chances of loan approval but also helps you achieve better interest rates. What is a Credit Score? It’s a prediction of your credit behaviour, such as how likely you are to…
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There are several ways to increase the value of your property before putting it on the market, or before renting it out to someone. First Impressions Count One effective strategy is to boost curb appeal by keeping your home’s exterior inviting and well-kept. First impressions matter. This can mean repainting the outside, refreshing the front…
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The sweet, fresh air and the warm sun peeking through the trees welcome you with the sound of birds chirping and occasionally interrupted by the passing tractor-trailer rumbling by. Moving to the countryside from the city offers more than just beautiful views and river-side walks. However, as with any life change, it’s essential to consider…
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Are you thinking of moving home? Everyone has their own reasons for wanting to move, whether to gain more space or be closer to family. With more people than ever working from home, spare bedrooms are being converted into home offices, and the need for extra room continues to grow. Some are upsizing due to…
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I spent a lot of time indoors during the major lockdown periods. So I wanted to find ways to create a healthy home, and more positive living space. I did this through small changes which I will explain in this post. Why Create a Healthy Home? Shockingly, a survey in 2017 by Ribble Cycles concluded…
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