Property Pundit UK (propertypundit.co.uk) publishes UK property market data, analysis and commentary for general information purposes only.

Not financial advice

Nothing on this site constitutes financial, mortgage, tax, legal or investment advice. Articles, calculators and tools are provided to help you understand publicly available data and general principles — they are not a recommendation to buy, sell, remortgage, invest in or otherwise transact in any property or financial product. Always seek independent, regulated financial advice before making a decision about a mortgage, property purchase, remortgage or investment.

Not FCA regulated

Property Pundit UK is not authorised or regulated by the Financial Conduct Authority (FCA), and nothing on this site should be interpreted as implying otherwise. We are not a mortgage broker, financial adviser, estate agent, or tax adviser.

Property investment carries risk

Property values can fall as well as rise. Rental income and yields are not guaranteed. Interest rates, tax rules (including Stamp Duty Land Tax, Land and Buildings Transaction Tax, Land Transaction Tax and Section 24) and government schemes change over time, and figures on this site may become out of date between updates. Always verify current rates, thresholds and rules with HMRC, the relevant devolved tax authority, or a qualified adviser before acting.

Data sources and accuracy

We cite every statistic with its source and date, and we favour recognised UK sources — Land Registry, Halifax, Nationwide, the Bank of England, ONS, HMRC, RICS, UK Finance, Moneyfacts, Rightmove and Zoopla among them. See our data sources page for the full list. Despite our care in citing accurate, dated figures, data can be revised, delayed or superseded after publication. We accept no liability for decisions made on the basis of information published on this site.

Calculators and tools

Our mortgage, stamp duty, affordability, LISA, rent-vs-buy, improvement-loan and boiler-cost calculators are simplified illustrative tools using standard formulae and the rates or thresholds current at time of publication. They do not constitute a mortgage or tax quotation, and actual costs from a lender, solicitor or HMRC may differ. Always confirm figures directly with the relevant provider or authority.

External links

We link to external sources (government bodies, index providers, industry surveys) for reference. We are not responsible for the content or accuracy of external websites.

Contact

If you spot an error or an outdated figure, please let us know via the contact details on our About page so we can correct it.