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If you listened to the doom merchants, you would think first-time buyers (FTB) in Blackwater had no chance at all. According to the loudest voices, buying a first home is impossible, the ladder has been pulled up, and the only people who buy their first homes today are lottery winners or those with wealthy parents.
With rising demand for affordable housing, many landlords consider turning a property into a house in multiple occupation (HMO). The higher rental yields can be tempting, but HMOs come with stricter rules and heavier responsibilities. Handled well, they can be profitable. Handled badly, they can be stressful and costly.
For most of us, our ability to earn is our greatest financial asset. It’s the steady stream that pays the mortgage, covers the bills, and funds the lifestyle we enjoy. But if that income suddenly stops because of illness or injury, it doesn’t take long for financial pressure to build.
We’re hearing from buyers across the board who have what we’re calling the “budget scaries” – a mix of uncertainty, financial caution, and a slight case of “wait and see” syndrome. With the latest tax talk and economic predictions swirling, many would-be movers are unsure about what their budget really gets them right now... and what might be aroun
