United Kingdom guides
United Kingdom Property & Mortgage Guides
Plain-English guides on mortgages, investment property, and home buying in United Kingdom. Each guide links to the relevant calculator so you can put the concepts into practice immediately.
How mortgage overpayments work in the UK
ERC limits, the 10% rule, and how to calculate interest savings from UK mortgage overpayments.
Stamp Duty Land Tax explained
SDLT rates, thresholds, first-time buyer relief, and how stamp duty affects your rent vs buy calculation.
Buy-to-let rental yield in the UK
How to calculate gross and net yield on UK buy-to-let property after Section 24 tax changes.
When is it cheaper to rent than buy in the UK?
Understanding price-to-rent ratios and the break-even point for buying vs renting across UK regions.
Remortgaging: when and how to switch
The remortgage process, timing, ERCs, and how to calculate if switching lenders saves you money.
How to save a house deposit in the UK
Deposit targets, Help to Buy ISA vs LISA, and strategies for first-time buyers saving in the UK.