Stresst journal
Practical notes on buying, investing and understanding the numbers behind property — across seven markets.
The average UK home is GBP 298,441, just under the GBP 300,000 first-time buyer line. Worked stamp duty and affordability figures for that price.
Freddie Mac's 30-year average rose to 7.40% on 8 October 2026. A worked example shows the month one or two discount points pay for themselves, and what refinancing early would cost.
Cotality's index fell 1.1% in September as the RBA lifted the cash rate to 4.60%. What a 0.25 point rise and a lower valuation do to a loan.
