Category: Property & Entrepreneurship
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The Funding War: How the New ISA Limit Prioritises the UK Stock Market Over Mortgage Lending
In the world of property finance, every policy decision—even those seemingly focused solely on savings—has a ripple effect on the lending ecosystem. The recent Budget announcement to cut the annual Cash ISA contribution limit from £20,000 to £12,000 for those under 65 is one such decision. While the government’s stated intent is to ignite a new culture…
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The PRA’s Power in Property: How the Prudential Regulation Authority (PRA) Shapes UK Mortgage Lending
In the complex world of UK property finance, numerous acronyms and regulations govern how money moves. Two terms frequently surface that are critical to securing a mortgage but can cause confusion for buyers, investors, and trainee advisors alike: the Prudential Regulation Authority (PRA) and the Financial Conduct Authority (FCA). While they may seem interchangeable, they represent fundamentally…
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What is OMV? Open Market Value (OMV) vs. Purchase Price (PP): Understanding the True Value of Your Property
In the world of property and finance, two terms frequently surface that can cause confusion for buyers, sellers, and investors alike: Open Market Value (OMV) and Purchase Price (PP). While they may seem interchangeable at first glance, they represent fundamentally different concepts, and understanding the distinction is crucial for making informed decisions, especially when securing…
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The Renters’ Rights Act: What It Means for Landlords, Tenants, and Property Investors
The UK government has recently published a comprehensive guide to the Renters’ Rights Act, a reform designed to reshape the rental landscape and strengthen protections for tenants. While the act focuses primarily on improving living conditions and security for renters, it also carries significant implications for landlords and property investors — making it essential to…
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🏡 Understanding Tracker Mortgages: What They Are and How They Work
If you’re thinking about buying a home or remortgaging, you’ve probably heard of tracker mortgages. But what exactly are they, how do they differ from fixed-rate mortgages, and are they the right choice for you? Let’s break it down. 💡 What Is a Tracker Mortgage? A tracker mortgage is a type of variable-rate mortgage that…
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Join the Movement: How Empreso Associates Earn by Sharing Prosperity
At Empreso, we believe prosperity is not meant to be hoarded — it’s meant to be shared. That’s why we’ve built a simple way for people across the UK to earn extra income while helping others access life-changing property and financial services. What Is an Empreso Associate? An Empreso Associate is someone who introduces people…
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The Hidden Costs of Doing Nothing: Why Skipping Estate Planning Is Risky
When it comes to planning for the future, many people procrastinate, especially with something as emotionally loaded as estate planning. It’s easy to think, “I’m too young for that,” or “I’ll deal with it later.” Unfortunately, “later” often arrives without warning, and without a plan in place, the consequences for your loved ones can be…
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Buying, Investing, or Re-mortgaging? Take Our Quiz to Find Your Perfect 2025 Property Strategy
The UK property market offers three golden paths right now:1️⃣ Buying your dream home in a rising market2️⃣ Investing for long-term wealth3️⃣ Remortgaging to slash costs and unlock cash But which one is right for YOU? Our 60-second quiz matches your goals, finances, and risk tolerance with your optimal next move. 👉 Take the Quiz Now Why This Quiz Works We analyse:✔ Your savings & budget (First-time buyer? Portfolio…
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The Power of a Statement of Intent: Your Secret Weapon for Progress
Why Intent Matters More Than Motivation? Create clarity, stay accountable, and make every hour count. Motivation comes and goes. Intent creates clarity and structure. A well-crafted Statement of Intent (SOI) acts as your internal contract—aligning your time, energy, and actions with your goals. Without a clear intent, your 10 hours a week can easily evaporate…