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Straight talk on property and finance — no fluff, no influencer nonsense.

Some of these articles might be useful. Others might just pass the time while your kettle boils. Either way, don’t take financial advice from a bloke with a blog — speak to someone qualified (ideally with insurance… and a desk).

February 11, 2023

Register of Overseas Entities

The Register of Overseas Entities came into force in August 2022. What is it and is it working? The suggestion is not so well with close to half of the entities required to register doing nothing so far. Although that is not necessarily the whole story.

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January 9, 2023

Home Energy Performance Explained

As we continue into 2023 with high energy costs expected to be a headline throughout the year, Energy Performance Certificates (EPC) are often in the news. I thought an article explaining these in more detail would help understand their purpose.

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November 9, 2022

Consumer Duty

The Financial Conduct Authority is introducing new regulations in July 2023 called Consumer Duty. It is said to be one of the biggest shake-ups in regulation for over a decade.

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October 22, 2022

Freehold or Leasehold what do they mean?

Wherever purchasing a property in the UK it will usually be on a Leasehold or Freehold basis. It may even be a Leasehold with a share of the Freehold. What does this all mean for the purchaser? Let's find out.

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October 12, 2022

Inflation explained

There has been a lot more talk about inflation in recent weeks and months. More than usual that is for sure. When speaking with people about the economic position I find many don't really understand inflation in that much detail. No issue with that, all most want to know is how it affects them so don't spend time understanding it. I have put together this short guide to give more but not a huge amount of detail on the subject.

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October 10, 2022

Stamp Duty Explained

stamp duty on property is payable when purchasing property in the UK. There are different rates and in fact different names across England/Northern Ireland, Scotland and Wales. In any event, the principle and broad application are the same. Sometimes it is not that easy to understand what stamp duty would be paid. This guide should help with that.

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