Guides

Cash flow and yield measure different things. Learn the difference, see worked examples, and use a checklist of costs landlords often miss.

Learn how UK buy-to-let affordability is often assessed using ICR (rental cover) and a stress rate. Includes worked examples and common pitfalls.

A UK landlord checklist of buy-to-let running costs: maintenance, voids, insurance, service charges, compliance, and how to stress-test cashflow.

How much deposit do you need to buy a home in the UK? Learn how LTV works, what 5%, 10% and 15% deposits mean, and see worked examples.

Understand buy-to-let lender stress tests: interest coverage ratio (ICR), stress rates, rental assumptions and why borrowing limits differ by lender.

A UK guide to comparing mortgages: interest rate vs fees, APRC, fixed periods, and a practical break-even method using simple scenarios.

A UK first-time buyer checklist covering deposit, stamp duty (SDLT), surveys, legal fees, mortgage fees, insurance and moving costs—plus a budgeting template.

Learn how mortgage interest is calculated in the UK: interest-only monthly interest, repayment amortisation, and why early payments are interest-heavy.

A plain-English guide to UK mortgage affordability: income multiples, stress tests, commitments, and how to sense-check results with calculators.

UK property CGT basics: what counts as a gain, common cases (buy-to-let, inherited property), allowances, and the 60-day reporting rule.

A UK rental yield guide explaining gross vs net yield, what costs landlords often miss, and how to use yield alongside cashflow and borrowing checks.

England & NI SDLT reference: residential bands, first-time buyer relief, higher rates for additional properties, and non-UK resident surcharge.

A UK shared ownership guide explaining monthly costs: mortgage on your share, rent on the unowned share, service charges, and how to budget safely.

A UK staircasing guide: how buying more shared ownership shares works, what changes in your rent and mortgage, and what costs to plan for.