Category: First Time Buyer
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Could Monthly Tax Payments Be the Future for UK Landlords and the Self-Employed?
The UK tax system could be on the verge of one of its biggest changes in decades. Recent reports suggest that the Government and HM Revenue & Customs (HMRC) are exploring proposals that would require self-employed individuals and landlords to pay tax monthly, rather than through the current Self Assessment system. While the plans are…
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“Still Renting Because You Think You Need a Huge Deposit?”
What If £5,000 Could Get You Onto the Property Ladder Sooner Than You Think… For years, thousands of aspiring homeowners have believed the same thing: “I’d love to buy a home… but I just don’t have a big enough deposit.” So they keep renting. Keep waiting. Keep watching property prices rise while trying to save…
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Why Going Directly to Your Bank for a Mortgage Could Cost You More Than You Think
For many people, the mortgage journey starts with a simple assumption: “If I need a mortgage, I’ll just go to my bank.” It sounds logical. Your salary goes into that account. You’ve banked with them for years. You trust the brand. It feels familiar and convenient. But when it comes to one of the biggest…
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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 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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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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Concessionary Purchase Explained
Concessionary Purchase Explained: How a Discount Can Become Your Deposit Mortgage & Property Finance Guide Concessionary Purchase Explained: How a Discount Can Become Your Deposit Buying a home below its market value—often from a family member, landlord, or employer—can allow the “discount” to count as your deposit. Here’s how it works, who it suits, and…