Glossary · GB
Equity Release
Unlocking cash tied up in a property's value without selling it — through a lifetime mortgage or home-reversion plan — typically used by older owners.
Belgrave in London
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Around this term
Related terms.
Capital Appreciation
An increase in the market value of a property over time, creating a potential capital gain when the property is sold.
Remortgage
Replacing an existing mortgage with a new one — with the same or a different lender — to secure a better rate, release equity, or change terms.
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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