Category: Starting In Property
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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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What Will Change Housing Affordability in the Future?
For decades, housing affordability has been one of the UK’s biggest challenges. Rising prices, tighter lending rules, and stagnant wages have left many wondering: will it ever get easier to buy a home? The truth is, affordability is shaped by more than just house prices. Let’s look at what could change the game in the…
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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…
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From Renting to Owning
Turn Your Current Home into Your First Step on the Property Ladder For Empreso readers ready to move from paying rent to building equity—starting right where you live. Imagine opening your front door—as the owner. For many renters, that first step onto the property ladder no longer requires years of saving a large cash deposit.…
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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…
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The Cheapest Places to Buy Property in the UK
Where to Snag a Home for Under £150k—and Still Get Strong Returns The UK property market is tougher than ever in 2025, but bargains still exist—if you know where to look. We crunched the latest data to reveal the 10 cheapest places to buy right now, plus expert tips on avoiding hidden pitfalls. 🏆 2025’s Top…
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2025’s Hidden Homebuyer Tricks: 5 Loopholes Banks Don’t Want You to Know
IntroductionThe 2025 property market is tougher than ever—higher rates, stricter affordability checks, and bidding wars on anything decent. But while banks tighten the screws, smart buyers are exploiting these 5 little-known loopholes to slash costs, skip deposits, and even lock in sub-3% mortgage rates. Here’s what agents won’t tell you—but Empreso will. 1. The “Ghost Listing” Discount (Save 10-15%)…
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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…
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Empreso: The Collaborative Platform Where Property Dreams Come to Life
Where freelance professionals connect, serve, and grow — from property to prosperity. In a world where property ownership feels out of reach for many and starting a business can be an overwhelming solo journey, Empreso Network offers a powerful alternative — a place where collaboration meets opportunity. At its core, Empreso is not just a…