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MillionPlus Journal
Market intelligence, case studies and expert commentary on property, luxury asset finance, crypto-backed lending and private wealth.
Choosing between a tracker and fixed rate mortgage represents one of the most important financial decisions homebuyers face. Get it right and you'll save thousands whilst maintaining comfortable monthly payments. Get it wrong and you're either locked into rates above market levels or exposed to payment shocks when interest rates rise.

The terms "prime" and "super-prime" appear frequently in luxury property marketing, often used interchangeably or without clear definition. This creates confusion for buyers navigating the upper end of residential markets. The distinction matters. Prime vs super prime property represents fundamentally different asset classes with distinct buyer profiles, market behaviours, and investment characteristics.

Being a landlord used to be straightforward. Buy a property, rent it out, deduct your mortgage and expenses, pay tax on what's left. Simple. Not anymore. Over the past decade, landlord tax changes have fundamentally altered how rental income is taxed, what expenses you can deduct, and how much you'll ultimately pay HMRC.