UK Stamp Duty (SDLT) rates and bands, what first-time and second-home buyers pay, with worked examples from £250k to £1m.

The personal allowance, the 20/40/45% bands, National Insurance, and the 60% trap at £100k — with take-home figures for a £30k, £50k and £100k salary.

UK student loans work like a 9% tax above a threshold, not a normal debt. What each plan costs monthly, when it is written off, and who should never overpay.

First-time buyers pay no SDLT up to £300,000 and 5% to £500,000 — but one pound over £500k loses the whole relief. Worked examples and traps.