Effective SDLT Rate: The True Percentage You Pay on Your Purchase
When someone says stamp duty is 5%, they do not mean you pay 5% of the…
-
-
LTT Wales: How Land Transaction Tax Works for Welsh Property
Wales also has its own property tax: Land Transaction Tax. Like Scotland, the rates and bands…
-
LBTT Scotland: How Property Tax Works North of the Border
If you invest in Scottish property, stamp duty does not apply. Scotland has its own tax…
-
Commercial SDLT: How Stamp Duty Works on Non-Residential Property
Commercial property has its own stamp duty rates, and they are lower than residential. If you…
-
First-Time Buyer SDLT Relief: How Much You Actually Save
First-time buyers get a significant stamp duty discount. After April 2025, you pay 0% on the…
-
Additional Dwelling Surcharge: SDLT When You Buy a Second Home or BTL
Buy your first home and stamp duty is manageable. Buy a second property and the tax…
-
Standard Residential SDLT: How Stamp Duty Works for Your Main Home
Stamp duty is a tax on buying property. It is calculated progressively, which means you pay…
-
Development Finance Interest: The 60% Rule Every Developer Needs to Know
Development finance works differently to a standard mortgage. You do not draw the full amount on…
-
APR: How to Compare Different Finance Quotes on a Level Playing Field
A lender offers you 0.85% per month on a bridging loan. Another offers 9.5% per year….
-
DSCR: The Ratio That Tells Lenders Whether Your Property Can Afford Its Mortgage
If LTV determines how much a lender will lend you, DSCR determines whether they think you…
-
BTL Mortgage Stress Test: Will the Lender Say Yes?
You have found the perfect BTL property. The yield works. The cashflow is positive. Then the…
-
Loan to Cost: The Development Finance Metric
LTV measures loan against value. Loan to Cost measures loan against total project cost. They sound…