The 5 best university towns and cities for buy-to-let properties in the UK

the campus of the University of Dundee

University towns and cities can make ideal places for buy-to-let (BTL) properties.

According to figures from the House of Commons, there were 2.46 million students attending higher education institutions during the 2019/20 academic year. Continue reading

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UK high street banks launch their lowest fixed-rate mortgage deals ever

the HSBC bank branch in Edinburgh

Mortgage rates have dropped steadily throughout 2021, as lenders have battled for customers in a tough, low-interest environment.

The first sub-1% deals started appearing in June, with HSBC introducing a 0.99% two-year fixed-rate deal  for the first time since 2016. Nationwide also started offering the same rate on their two-year fixed deal. Continue reading

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Five years on, how has Brexit impacted the UK property market?

three European Union flags outside of the European Parliament in Brussels

It’s been more than five years since the UK decided to leave the EU, confirmed by the referendum held on 23 June 2016.

In the last five years, the Brexit debate has rattled on, as debates over “hard”, “soft”, or “no-deal” Brexit, and constant conversations about the Irish backstop extended the saga ever further. Continue reading

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Do Scottish house prices near a Waitrose really outperform those further away?

the front of the Waitrose store in Edinburgh

It’s become common folklore that house prices near a Waitrose outperform those further away.

The claim comes from a 2016 Lloyds Banking Group study, which coined the phrase the “Waitrose effect” for the mysterious rise in house prices in the vicinity of the supermarket. Continue reading

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3 important reasons first-time buyers should always use a mortgage broker

A young husband lifts his wife in their new home surrounded by cardboard moving boxes

Mortgage brokers have become even more important to first-time buyers over the past year, according to figures published in the FT Adviser in May.

Half of all first-time buyers used a mortgage broker over the year from March 2020 to March 2021. Of those who used a broker, 98% described their services as “useful”. Continue reading

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Why the impact of inflation might mean your mortgage costs you more

sign with “Bank of England” and bank’s insignia in gold letters on black background

Inflation reached 2.5% in June, as a reopened UK economy saw a spending boom across restaurants, bars, and leisure activities.

While this may feel like a far-off issue for you, inflation can have a tangible impact on your personal finances – and, in particular, it could ultimately mean your mortgage repayments become more expensive. Continue reading

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5 practical and easy ways to switch off when working from home

Covid dramatically changed the way we approach work, with nearly half of all people switching from the office to home working in 2020.

Now, with many employers seeing home working as a viable option moving forward, it’s likely that home workers will continue as they are, away from the office. Continue reading

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Did you know your credit “rating” doesn’t actually exist?

Credit ratings are often heralded as one of the most important things you need to improve in order to borrow money, especially for a mortgage.

But did you know that you don’t actually have a credit “rating”? That number you might check each month isn’t really a metric that lenders see when deciding whether you’re creditworthy. Continue reading

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5 interesting things the pandemic has taught us about the housing market

Covid has been a shake-up for pretty much every industry and sector imaginable, as lockdowns prevented trade and forced many businesses to furlough staff over the past year and a half. Continue reading

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Why business insurance is more important than ever

Covid created an entirely unprecedented situation that will live long in the memory of everyone involved, but especially for business owners.

The pandemic has made many business owners take stock and realise how quickly you can go from operating one day to not at all the next. Continue reading

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