Mortgage Basics: Fixed vs Tracker, Repayment vs Interest-Only
How mortgage interest works, what lenders look for, and the trade-offs between fixed, tracker, and discount rates.
Mortgage Affordability: Income Multiples vs Affordability Checks
Understand loan-to-income (LTI) caps, debt service ratio (DSR), stress tests, and how deposit size affects LTV.
Stamp Duty, LBTT & LTT — 2024/25 Rates Explained
SDLT bands for England & NI, LBTT for Scotland, and LTT for Wales — plus first-time buyer relief and additional property surcharges.
Mortgage Overpayments: How Much Do They Save?
See how monthly overpayments shorten your term and reduce total interest with real examples and charts.
Loan Amortisation: The Maths Behind Monthly Payments
Break down each payment into principal and interest; understand APR, EAR, and compounding frequency.
Credit Card Pay-Off: Minimum Payments vs Fixed Payments
How long it takes to clear a balance, how much interest you’ll pay, and strategies to save money.
Debt Consolidation: When It Helps — and When It Doesn’t
Pros and cons, example scenarios, and a checklist before you switch.
Compound Interest: Simple Examples That Actually Click
EAR/AER explained, monthly vs annual compounding, and why “little and often” works.
Savings Goal Planner: How Long to Reach £X?
Regular contributions, lump sums, inflation effects, and realistic progress tracking.
ISA Allowances: Rules, Deadlines, and Myths
Cash vs Stocks & Shares ISAs, annual limits, transfers, and common misconceptions.
Take-Home Pay: PAYE, National Insurance, and Pension
How your payslip is calculated, tax codes (1257L, BR, D0), and student loan plans 1/2/4/5 + PG.
VAT: How to Add or Remove VAT (20%, 5%, 0%)
Common pitfalls, rounding rules, and examples for invoices and receipts.
Dividend Tax: Thresholds and Rates
Basic, higher, and additional rate bands with examples; how dividends stack with PAYE income.
APR vs EAR (AER): What’s the Real Cost?
Nominal vs effective rates, compounding periods, and when each measure matters.
Percentages Made Easy
Increase/decrease, percentage points vs %, and common exam-style questions.
Finance & Mortgage Glossary
Plain-English definitions of the most searched-for terms.
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