UK Shared Equity vs Shared Ownership Compared
Shared equity and shared ownership are often confused but work differently. This article compares the two structures, the rent and interest implications, and the trade-offs when selling, staircasing, or transferring.
UK Mortgage Types: Fixed, Variable, Tracker, Discount
The four main UK residential mortgage rate types compared: fixed rate, standard variable rate, tracker, and discount. The article explains how each is priced, the typical deal length, and the trade-offs in different rate environments.
UK Let-to-Buy Explained: Process and Tax
Let-to-buy lets a homeowner remortgage the existing home onto a buy-to-let basis and use the released equity for a new residential purchase. The article covers the structure, the SDLT additional rate consideration, the rental coverage test, and the tax treatment of rental income.
