THE UK HOMEOWNER'S SURVIVAL GUIDE

: Winning Despite Rates, Regulations & Rising Costs

von Kolawole Andrew Ayoola

122 Seiten, Taschenbuch

Kurzbeschreibung des Verlags

You found the flat. The numbers worked. Then, three days before exchange, your lender pulled the offer because the Bank of England moved again, and the rate holding everything together has changed.This happens to careful buyers across Britain almost every time. Not because they did anything wrong but because three forces keep hitting the property market at once: what you're able to afford, what it costs to borrow the rest, and what the law now demands of you, whether you're buying, selling, or letting.The UK Homeowner's Survival Guide replaces guesswork with a plan. Written by a chartered accountant who works inside UK property finance every day, this guide walks you through every force reshaping the market and hands you the numbers, schemes and steps working right now, not the advice your parents used a decade ago.Two buyers purchase the same £280,000 house, three years apart. Same price, same postcode, same bricks and mortar. One ends up paying £282 more a month for it. Inside, you'll see exactly why, and what the gap means for your own numbers.You'll learn how to: - Work out what you're truly able to afford, beyond the figure a lender approves- Read fixed, tracker and variable mortgage rates with confidence, and protect yourself before your fixed deal ends- Calculate your real stamp duty bill using three worked examples, from a first-time buyer paying £0 to an investor paying £12,900 on a smaller property- See why an FCA rule change let some borrowers access up to £30,000 more without any change to their income- Use schemes like the Mortgage Guarantee, Lifetime ISA and Shared Ownership without the small print catching you out- Win as a first-time buyer against cash offers and chain-free rivals, without overpaying- Find the UK regions where buying already beats renting in 2026- Work through the Renters' Rights Act (in force since 1 May 2026), leasehold reform, and the EPC C deadline landing in 2030- Build a buy-to-let portfolio built to survive regulation instead of fighting it- Put together your own step-by-step plan for 2027 through 2030Whether you're buying your first home, remortgaging before your fixed rate ends, letting under new rules, or investing for the first time, this guide gives you the plan the market has been missing.Kolawole Andrew Ayoola is a Fellow of the Institute of Chartered Accountants of Nigeria and a senior service charge accountant working in UK property management, with over fifteen years of practical experience across accounting and property strategy.Stop guessing what the market wants from you. Start with this book, and know exactly what to do next.

• Reihe: Independently published
• ISBN: 9798175407113
• Sprache: Englisch
• Erscheinungsdatum: 18.09.2026
• Größe: 229 x 152 mm
• Verlag: Independently published