What do I have to disclose when I sell a house?
The forms a seller completes in England and Wales, what each one asks, what the honest answer looks like when you genuinely do not know, and where sellers get into trouble.
intermediate15 min5 min read
Money & Practical
Budgeting, bills and buying decisions, described as processes you can follow. These guides explain method — how to work something out for yourself. They are not financial advice and recommend no specific products.
425 guides
What is Marriage Allowance and can we claim it?
A transfer of unused personal allowance between spouses or civil partners. Simple, backdatable for several years, and widely unclaimed by the people it fits.
beginner10 min2 min readWhat is Maternity Allowance and can I claim it?
The benefit for people who cannot get Statutory Maternity Pay — the self-employed, recent job changers, agency workers and those helping in a spouse's business. Who qualifies, how to claim and when.
beginner11 min4 min readWhat is TUPE, and what happens to my job if the business is sold?
When a business or a service changes hands, your job usually moves with it on the same terms and with your continuity intact. What transfers, what the new employer can and cannot change, and the objection trap.
advanced16 min5 min readWhat is a FENSA certificate, and what if I have not got one?
Why replacement windows and doors need building regulations certification at all, what the competent person schemes actually do, and the two routes available when the paperwork does not exist.
beginner20 min4 min readWhat safety certificates must my landlord give me?
Gas, electrical, alarm and energy paperwork are all legal duties on a landlord, with different intervals and different rules in each nation. What you should have been given, and what to do when you have not been.
beginner11 min5 min readHow do I budget when my income is irregular?
Paying yourself a fixed amount from a buffer, so a variable income behaves like a regular one.
intermediate1 hr2 min readHow do I buy second hand safely?
Checking listings, meeting safely, paying in ways that protect you, and what to inspect for the most-scammed categories.
beginner30 min2 min readHow do I check my credit report and correct a mistake on it?
How to get your report free from all three UK credit reference agencies, what to check line by line, and the dispute process that gets an error removed.
beginner1 hr3 min readHow do I decide whether an upgrade is worth the money?
Upgrading replaces something that works, so the comparison is against nothing changing. The test that separates an upgrade solving a real problem from one solving an advert.
beginner15 min3 min readHow do I get the best price on something expensive?
Timing, price tracking, negotiation and the protections worth paying attention to on a large purchase.
beginner1 hr2 min readHow do I organise household expenses?
A system for household paperwork and recurring costs that means renewals never surprise you and nothing gets paid twice.
beginner1 hr 30 min2 min readHow do I stop impulse spending?
Practical friction that interrupts unplanned purchases, rather than relying on willpower that runs out.
beginner20 min2 min readHow do I test a big decision before I commit to it?
Almost every large decision has a cheap small-scale version. Hiring, sampling, trialling and borrowing turn an irreversible commitment into an experiment with a known cost.
beginner30 min3 min readHow do credit cards actually work?
Interest-free periods, minimum payments and the specific things that make a credit card expensive.
beginner25 min2 min readWhat do I do if my insurance claim is turned down?
How to find the actual reason a claim was declined, the internal appeal that resolves many of them, and the free Financial Ombudsman route that sits above it.
beginner1 hr 30 min4 min readWhat should I do if my landlord will not do repairs?
Reporting properly, building a record, and the escalation routes when nothing happens.
beginner1 hr2 min readHow can my landlord end a private residential tenancy in Scotland?
Scotland has had no no-fault eviction since 2017. A landlord must use one of eighteen statutory grounds, every one of which is discretionary, and only the First-tier Tribunal can grant possession.
intermediate14 min5 min readHow can my landlord end my occupation contract in Wales?
Wales kept no-fault possession when England abolished it, but wrapped it in six months' notice, a six-month minimum before it can be served, a short window to act on it, and a list of situations that block it entirely.
intermediate14 min5 min readHow do I choose a freezer for a garage or outbuilding?
Standard freezers stop working properly in a cold garage, and the reason is a thermostat that reads the room rather than the food. Climate class and a garage rating are what fix it.
beginner30 min4 min readHow do I choose a mattress?
What actually matters when choosing a mattress — firmness relative to your weight and sleeping position, construction type, and trial periods.
beginner1 hr3 min readHow do I choose a removal company?
What to ask, what the quote should include, and the specific things that turn a cheap quote into an expensive day.
beginner1 hr2 min readHow do I choose a savings account?
Matching account type to when you need the money, and the terms that quietly reduce the rate you actually get.
beginner30 min2 min readHow do I compare suppliers properly?
Comparing on total cost over the contract term rather than the headline, and the terms that change the answer.
beginner45 min2 min read
Going deeper: ToolFoundry
Interactive calculators — quantities, conversions, costs and sizing — rather than prose.
ToolFoundry is in development — GuideHQ covers the practical answers in the meantime.