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The Tax Implications of Second Homes and Buy-To-Let Properties Are you thinking about buying a second home? Whether you are planning to buy another property to live in while keeping your existing one or thinking of investing in a buy-to-let property, there’s a lot to think about. As a doctor, you may move around a … Read more

Getting A Mortgage As A Junior Doctor In 2025  If you’re about to start work as a junior doctor or are already working as one, you might be worried about whether you’ll be able to get a mortgage. After all, you’ve worked hard to get where you are today and the next logical step for … Read more

Understanding The Difference Between Leasehold and Freehold Properties  When looking for properties to buy, you’ll likely come across two terms: freehold and leasehold. At first glance, these terms might seem complicated, but they’re fairly simple to understand. However, knowing what freehold and leasehold mean and the difference between them is important as they can affect … Read more

Going through the process of buying a property brings with it a lot of questions about your future and safeguarding it. While securing building insurance will be a stipulation of your mortgage, other types of insurance can give you peace of mind as a homeowner. You’ll probably have heard of life insurance that pays out … Read more

After the Bank of England dropped its base rate back in February from 4.75% to 4.5%, anticipation was high for the Bank’s March meeting. Would it drop rates again or err on the side of caution? On March 20, 2025, the Bank of England announced that it was holding its base rate at 4.5%. It … Read more

If you’re thinking about applying for a mortgage, you will likely have heard the term ‘credit score’ bounded around. You’ll likely have heard that you will need to have a ‘good’ credit score for lenders to consider your mortgage application. Your credit score can have a massive impact on how you live and the financial … Read more

On February 6, 2025, the Bank of England announced it had cut its base rate from 4.75% to 4.5% – the lowest base rate it had set since June 2023. The base rate reduction intends to boost spending and make borrowing money cheaper as the UK economy grapples with rising inflation. What does it mean … Read more

When it comes to house prices and mortgages, 2024 was a bit of a whirlwind for homeowners and those looking to buy. House prices stayed up. Most spent the year eagerly waiting to see if mortgage interest rates would drop, and the last quarter saw some movement in the right direction for borrowers. However, the … Read more

In October 2024, the UK government announced that the Stamp Duty Land Tax (SDLT) rate will change from April 1, 2025, affecting homebuyers in England and Northern Ireland. In 2022, the Conservative government introduced a stamp duty holiday to help first-time buyers and kickstart the economy and housing market post-pandemic. Fast forward nearly three years … Read more

Adverse credit can be easy to fall into. Your circumstances could unexpectedly change, leaving you struggling to keep up with monthly repayments for any credit or loans you might have. Before you know it, your credit score has taken a nosedive, and these missed payments are on your credit file. Having poor credit can leave … Read more