June 2025 Property Insights: Quick Tips for Buyers, Renters & Shared Owners

June was a busy month on Loncor Property Solutions. We covered everything from legal quirks in wills to the nitty‑gritty of down‑payment grants, plus a handful of real‑world tips for anyone sharing a house. Below is a fast‑track rundown so you can grab the advice that matters most to you.

Legal & Rental Basics

First up, we answered a hot question: Can a husband leave his wife out of a will? The short answer is no – spousal rights in the UK usually protect a surviving partner, but the article breaks down the exceptions and how to protect your own interests.

Shared‑house living also got a spotlight. We explained the typical guest policy you’ll see in flatshares, why landlords insist on limits, and how to set clear rules with housemates before any drama starts. Real stories showed how a simple guest list can keep peace and avoid eviction notices.

If you’re curious about the term “shared house,” we demystified it. It isn’t just cheap rent; it’s a way to own a slice of a property with others, share maintenance costs, and still enjoy legal ownership. Knowing the basics helps you spot a legit arrangement and avoid scams.

Financing & Shared Ownership

Money talk took centre stage. We calculated what a 20 % down payment looks like on a £300,000 home – that’s £60,000, plus tips on how to reach that figure faster without starving your budget.

Virginia and North Carolina first‑time buyer programs were unpacked, showing who qualifies, what the grants cover, and the paperwork you’ll need. Even though the programs are US‑focused, the structure mirrors many UK schemes, so the step‑by‑step guide still helps UK readers understand local equivalents.

For shared‑ownership buyers, we listed three hidden disadvantages: unexpected service charges, limited control over renovations, and resale complications. Knowing these upfront can save you nasty surprises later.

Tax worries? Our owners‑draw article clarified when you need to report income from a shared‑ownership property and how to avoid common IRS (or HMRC) pitfalls.

Credit scores also featured heavily. We broke down the score you need for different mortgage types, warned about the myths around a “900 credit score,” and gave practical steps to boost your rating whether you’re buying in London or a small town.

FHA‑style loans (or their UK equivalents) have trade‑offs – lower deposits but higher insurance costs. The article laid out the downsides so you can decide if the lower entry barrier is worth the long‑term expense.

Finally, we ranked the best banks for first‑time buyer programmes in 2025, comparing interest rates, down‑payment assistance, and pre‑approval speed. Use that list to shortlist a lender that matches your timeline.

All these pieces were written to be short, practical and ready to use. Bookmark the ones that fit your situation, and let Loncor Property Solutions guide you through the next steps of buying, renting or sharing a home.