Category: Property Services
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How to Improve Your Mortgage Application Score in the UK?
Quick tips: How to Improve Your Mortgage Application Score in the UK? Applying for a mortgage is one of the most important financial steps you will take, yet many applicants are unaware of how lenders assess their profile. Understanding how to improve your mortgage application score can significantly increase your chances of approval and help…
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Renters’ Rights Act 2025: Key Changes, Benefits, and What It Means for Tenants and Property Owners
A. What is the Renters’ Rights Act 2025? The Renters’ Rights Act 2025 is a landmark reform of England’s private rental sector, the biggest overhaul in decades. The Act received Royal Assent on 27 October 2025. Its goal: to rebalance the relationship between tenants and landlords, providing greater security, fairness, and stability for the roughly…
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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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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 Loan-to-Value (LTV): A Key to Smarter Borrowing
At Empreso, we believe that strong financial decisions start with understanding the numbers behind them.One of the most important—and often overlooked—factors in borrowing is your Loan-to-Value ratio, or LTV. Let’s break down what it means and how it can help you borrow with confidence. What Is Loan-to-Value (LTV)? The Loan-to-Value ratio (LTV) compares how much…
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Understanding Debt Management Plans: A Smarter Way to Take Control of Your Finances
If you’ve been feeling overwhelmed by credit card bills, personal loans, or other unsecured debts, you’re not alone. Managing multiple payments, due dates, and high interest rates can feel impossible at times — but there’s a practical solution that can help you get back on track: a Debt Management Plan (DMP). In this article, we’ll…
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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.…
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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…
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“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…