Category: Property Services
-
Avoid Surprise Fees: Understanding Early Repayment Charges on Mortgages
When you take out a mortgage deal (especially a fixed-rate or discounted), you may see lower payments during the deal period. But exiting that deal early—through remortgaging, overpaying, selling your home, or switching lenders—can come with hidden costs. These are called Early Repayment Charges (ERCs). Understanding how they work helps avoid surprises and costly penalties.…
-
UK Mortgage Rates Explained: Bank of England Rate → Standard Viable Rate → Deal Options
Navigating the UK mortgage landscape can be complex, especially with fluctuating interest rates and varying lender offerings. At the heart of this system lies the Bank of England Base Rate, a key figure influencing borrowing costs. But how does this rate impact your mortgage? And what do terms like Standard Variable Rate (SVR) and fixed-rate…
-
“The End of Mortgages? How ‘DeFi Home Loans’ Could Upend Buying Forever”
Imagine applying for a mortgage in seconds, no banks, no mountains of paperwork—just code. This isn’t sci-fi. Welcome to the future of homebuying: DeFi Home Loans. 1. What Are DeFi Home Loans and Why They Matter 2. What This Revolution Means for Buyers Speed & Efficiency: Mortgage approval processed in minutes, not weeks. Smart contracts…
-
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…
-
The Case for Prosperity Through Property
How Empreso Helps You Build a Future That Pays You Back In a world that’s changing faster than ever—where traditional jobs are uncertain and cost-of-living pressures are mounting—the idea of prosperity may feel like a distant dream for many. But what if there was a timeless, proven path that not only built wealth but gave…
-
What Buyers & Tenants Truly Want in 2025: The Ultimate Property Wishlist(And How Savvy Investors Can Deliver It)
The 2025 UK property market isn’t just about bricks and mortar—it’s about lifestyle, flexibility, and emotional value. After analysing 2,000 surveys and 2025 trend reports, here’s what today’s buyers and tenants actually crave (spoiler: it’s not granite countertops). 1. Buyers’ #1 Desire: “Future-Proof” Homes What They Want: Data Point: 82% of Gen Z buyers would pay 5% more for a…
-
If I Had to Start All Over Again
A Roadmap to Financial Freedom Through Growth, Service, and Property By Alain MbeProperty Consultant | Wealth Mentor | Founder of Empreso Network “Your environment shapes your evolution. Get around growth, and you’ll grow.” — Alain Mbe If I had to start from scratch — no assets, no job, no capital — the very first thing…
-
What Is Stamp Duty?
Stamp Duty Land Tax (SDLT), commonly known as stamp duty, is a tax you may have to pay when you buy property or land in England or Northern Ireland. The amount you owe depends on several factors: The rules and thresholds can change at short notice, so it’s important to get up-to-date advice before committing…
-
🏡 “Don’t Wait to Buy. Buy and Wait.”
Buy Now or Regret Later: Timing the Market vs. Time in the Market 👋 Hey there, future homeowner! So many people ask the same question:“Should I wait for the market to cool down before buying?”And it’s totally valid — the property world can feel overwhelming. But today, I want to share a quote that changed…
-
Why Traditional Estate Agents Don’t Work for Buyers
How Empreso Levels the Playing Field Why Traditional Estate Agents Don’t Work for Buyers And How Empreso Levels the Playing Field Buying a property is one of the biggest financial decisions of your life. Yet, most buyers step into the process with a huge misconception: They believe the estate agent is there to help them.…