Discovering that your dream property won’t qualify for a mortgage can derail a purchase in devastating fashion. Whilst most UK properties meet standard lending criteria, certain characteristics make properties either temporarily or permanently unmortgageable through mainstream lenders. Understanding what triggers mortgage rejection before you commit to purchase protects you from wasted survey fees, aborted transactions […]

The British coastline has never been more appealing to property buyers. Remote working, lifestyle reassessment and the search for better value outside major cities have transformed coastal towns from retirement destinations into genuine alternatives for families, professionals and investors alike. But “best” depends entirely on what you’re looking for. Premium locations with established infrastructure command […]

Choosing between a tracker and fixed rate mortgage represents one of the most important financial decisions homebuyers face. Get it right and you’ll save thousands whilst maintaining comfortable monthly payments. Get it wrong and you’re either locked into rates above market levels or exposed to payment shocks when interest rates rise. There’s no universally correct […]

The terms “prime” and “super-prime” appear frequently in luxury property marketing, often used interchangeably or without clear definition. This creates confusion for buyers navigating the upper end of residential markets. The distinction matters. Prime vs super prime property represents fundamentally different asset classes with distinct buyer profiles, market behaviours, and investment characteristics. Understanding where these […]

Being a landlord used to be straightforward. Buy a property, rent it out, deduct your mortgage and expenses, pay tax on what’s left. Simple. Not anymore. Over the past decade, landlord tax changes have fundamentally altered how rental income is taxed, what expenses you can deduct, and how much you’ll ultimately pay HMRC. Many landlords […]

Rent increases cause genuine anxiety for tenants. You’re settled in your home, managing your budget, then a letter arrives proposing higher monthly payments. Can your landlord actually do this? Do you have any say in the matter? For landlords, rent increases are equally contentious. Property costs rise—mortgages, maintenance, insurance, regulations. Raising rent feels justified. But […]