Posts

A longer mortgage term usually lowers monthly payments but increases total interest. Here’s the practical trade-off with a small example.

Shared ownership rent reviews usually happen yearly and are set out in your lease. Here’s what can change, when, and a tiny example.

ICR (interest coverage ratio) is a rent-to-interest check used by many buy-to-let lenders. Here’s the definition, a tiny example, and links.

A quick buy-to-let explainer: lenders often stress-test at a higher rate and require rent to cover stressed interest by an ICR percentage.

Do first-time buyers pay stamp duty? Sometimes. Many pay £0 if eligible for relief, but it depends on price and eligibility. Examples inside.

A quick SDLT explainer for UK first-time buyers: when SDLT applies, how first-time buyer relief works, and how to estimate your bill.

Shared ownership rent is usually reviewed yearly and can increase. This post summarises GOV.UK’s rent review rules and simple budgeting steps.