Glossary · GB
Debt-Service Coverage Ratio (DSCR)
A lending measure comparing a property's net operating income to its annual debt payments; a ratio above 1 means income covers the loan servicing.
Belgrave in London
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Around this term
Related terms.
Mortgage
A loan secured against property, typically used to finance a purchase. The borrower repays the loan and interest according to agreed terms, with the property providing security for the lender.
Rental Yield
A measure of the rental income generated by a property relative to its value or purchase price, usually expressed as an annual percentage.
Additional Property Surcharge
An additional SDLT charge that can apply when an individual purchases an additional residential property, subject to the applicable rules and exemptions.
Adverse Possession
The legal process by which someone who has openly occupied land they do not own for a qualifying period may apply to become its registered owner. Colloquially 'squatter's rights'.
Amortisation
The gradual repayment of a loan's capital over its term through scheduled instalments, steadily reducing the outstanding balance.
Asking Price
The price at which a property is initially offered for sale by the seller. The final transaction price may be higher or lower.
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