Mortgage Interest Relief for UK Landlords — Section 24 Reality Until 2017, UK buy-to-let landlords deducted mortgage interest from rental income before tax. Section 24 of the Finance (No. 2) Act 2015 changed that — and most landlords still don’t fully grasp the implications. Here’s the 2026 picture. What Section 24 Did Before 2017: full …
Stamp Duty Land Tax (SDLT) — First-Time Buyer Relief 2026 Stamp Duty Land Tax (SDLT) hits English and Northern Irish property buyers. First-time buyers get relief — but it’s been narrowed twice in recent budgets. Here’s the 2026 picture. SDLT Thresholds for First-Time Buyers (England & NI, 2026) After the 2024–25 changes, the first-time buyer …
Buy-to-Let Mortgages: Tax Rules After Section 24 — The Section 24 reforms (phased in 2017–2020) changed UK buy-to-let economics dramatically. Many landlords now pay more tax than they realized. Here’s the 2026 reality. What Section 24 Changed Pre-2017: Mortgage interest was a deductible business expense. Landlords paid tax only on net rental profit. Post-2020 (current): …
Help to Buy Equity Loan: How It Works When You Repay — If you bought through Help to Buy (the equity loan scheme, closed to new applicants since 2023) — you now face the repayment cliff. Here’s how to navigate it. How Help to Buy Equity Loan Worked You bought a new-build with: 5% your …
5-Year Fix vs 2-Year Fix: 2026 Decision Framework — The biggest decision when locking a UK mortgage rate isn’t the rate itself — it’s the length. 2-year vs 5-year tradeoffs are constantly debated. Here’s the actual framework. The Numbers in 2026 Typical 80% LVR pricing: 2-year fix: 4.5–5.0% 3-year fix: 4.6–5.1% 5-year fix: 4.4–4.9% In …
UK Mortgage Rates in 2026: Fixed vs Tracker — A Practical Guide — After years of base rate volatility, picking between a fixed and tracker mortgage has become one of the most expensive decisions UK borrowers make. Here’s the no-fluff guide to choosing in 2026. What a Fixed Rate Actually Is A fixed-rate mortgage locks …