Skip to content
SpendingPlan101
Topic

Housing & Renting

Settle rent or buy on the numbers, and find the true monthly figure behind an advertised rate.

26 posts

Cover illustration for the Saving article, reading “Saving for a House Deposit”.
Saving

Saving for a House Deposit

The deposit is not the number you need. Closing costs, reserves and a move-in buffer add more than half again to it at 10% down, and that is where buyers get caught.

6 min read
Cover illustration for the Credit article, reading “Hard vs Soft Credit Inquiries”.
Credit

Hard vs Soft Credit Inquiries

A soft pull never touches your score. A hard pull costs most people under five points for a few months, and three mortgage applications in one fortnight count as one.

6 min read

New guides, straight to your inbox.

One short email each week: a money move worth making, a number worth checking, and a trap worth dodging.

Unsubscribe in one click. No spam, ever.