Buyer Guides
UK property cost research — written from the data, not the marketing brochure.
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buyer-guides
JBSP age limits and retirement interest-only mortgages 2026
How a supporting parent's age caps the mortgage term — and why a 10-year term can nearly double the monthly payment.
16 June 2026
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buyer-guides
Gifted deposit vs savings as security: the IHT fork (2026)
The two ways a parent funds a child's deposit have opposite inheritance-tax and ownership consequences — here's how each works.
15 June 2026
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buyer-guides
Springboard mortgages: what the parent really risks (2026)
How a parent's savings or home can stand in for a first-time buyer's deposit — where that security sits, when it comes back, and what happens if payments stop.
15 June 2026
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buyer-guides
JBSP vs guarantor mortgages: how the two structures differ (2026)
One makes the parent a full borrower, the other a backstop — and that difference drives affordability, age caps, stamp duty and the exit route.
10 June 2026
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buyer-guides
Removing a Parent From a JBSP Mortgage: How It Works in 2026
The two routes that release a parent from a joint borrower sole proprietor mortgage, the one that doesn't apply, and the affordability maths that decides the timing.
9 June 2026
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buyer-guides
Judicial review of a tribunal-approved Schedule 36 notice in 2026
When paragraph 30(3) closes the appeal door, the only remaining challenge is JR of the FTT's approval — here's what grounds are available and how the case law shapes them.
31 May 2026
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buyer-guides
Schedule 36 paragraph 32: the 30-day appeal trap (UK 2026)
Three procedural rules in paragraph 32(1)/(2) FA 2008 that quietly dismiss most late or badly-drafted appeals against HMRC information notices.
30 May 2026
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buyer-guides
Schedule 36 para 32: FTT finality and judicial review (UK 2026)
Why the First-tier Tribunal's decision on a Schedule 36 information-notice appeal is final — and what judicial review can and cannot do about it.
30 May 2026
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buyer-guides
Schedule 36 carve-outs: the material HMRC cannot demand (UK 2026)
Paragraphs 23-25 of Schedule 36 FA 2008 and the Prudential boundary between legal advice privilege and the narrower statutory tax-adviser carve-out.
30 May 2026
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buyer-guides
Schedule 36 paragraph 5A: HMRC's identity-ascertainment notice (UK 2026)
How HMRC compels letting agents and short-let platforms to identify landlords — the four-condition test, the statutory output cap, and the paragraph 31 appeal.
29 May 2026
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buyer-guides
Schedule 36 paragraph 50: the tax-related penalty above the day-rate stack (UK 2026)
How the Upper Tribunal-imposed, statutorily-uncapped tax-related penalty escalates a Schedule 36 information-notice obstruction into the same range as the underlying SDLT at stake.
28 May 2026
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buyer-guides
Accidental landlords and CGT: the PRR rule change after 2020
Worked example: a £270k purchase in 2018, sold for £350k in 2026 after 24 months let — what proportion of the £80k gain is taxable.
23 May 2026
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buyer-guides
Bridging finance cost in a UK property chain (2026)
How short-term lending is priced when an onward purchase has to complete before the old home sells.
23 May 2026
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buyer-guides
New-build flat service charges: what's typical in the UK (2026)
After the 2022 ground rent reforms and the 2024 Leasehold Reform Act, here's what to expect on a new-build flat — with the numbers, the legislation, and the line items.
22 May 2026
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buyer-guides
Why CGT private residence relief claims fail: 5 common reasons (UK 2026)
Lettings relief, the 9-month final-period exemption, garden caps and periods-of-absence rules: how the most common PRR claims get cut down on enquiry.
17 May 2026