45,800 high-LTI first-time-buyer loans: 4.5× income is not an affordability test
UK high-LTI first-time-buyer loans reached 45,800 in 2025. See what the 4.5× multiple measures, what it omits and how repayments change for buyers.
Latest explainers
Latest explainers
AUSTRAC's 45 registration actions do not mean 45 crypto convictions
AUSTRAC registration actions affected 45 remittance and virtual-asset provider records in a year. Learn what the count proves and how to check a platform.
UP RERA clears 13 projects worth ₹2,380.04 crore: approval is not completion
UP RERA project approval covers 13 projects and 4,724 proposed units, but it does not guarantee completion. Here is what buyers should verify before paying.
Amberwood starts at S$2.568m: the buyer cost is not S$2.568m
Amberwood at Holland starts from S$2.568 million, but buyer's stamp duty alone adds S$98,000. See the unit mix, timeline and total-cost checks before booking.
ASX 200 loses 2.9% in a week: what oil and bond yields could mean on Monday
The ASX 200 fell 2.9% over five sessions to 8,741. See why oil and bond yields hit shares differently, and what to check before Monday's market opens.
The September ASX 200 reshuffle is coming: index entry is not a profit forecast
The ASX 200 September rebalance takes effect on September 21. Understand index inclusion, fund trading and why a membership change does not predict returns.
ASIC's digital-asset no-action deadline approaches: what customers should check
ASIC's digital-asset no-action position runs to September 30. Why transitional relief differs from a licence and what Australian users should verify.
PIPA's investor survey points to more selling: test the cash flow behind a rental property
PIPA's 2026 survey reports more investor selling. Understand its sample limits and calculate rent after vacancy, interest and costs before judging a property.
SEBI proposes new expiry-day settlement methods: the closing price may not tell the whole story
SEBI is consulting on derivatives settlement after the closing auction rollout. Understand VWAP, expiry prices and why proposed changes are not yet rules.
FIU-India issues notices to 15 crypto platforms: what users should verify before transferring funds
FIU-India has acted against 15 digital-asset providers over compliance. Check the entity, access and withdrawal records without mistaking registration for safety.
RBI's house-price index rises 1.1% in Q1 FY27: what that means for an actual home search
RBI's house-price index rose 1.1% from the previous quarter. Separate index points, local prices and your loan budget when comparing Indian housing offers.
US stocks rebound after August CPI: why a green day does not settle the rate question
August CPI rose 0.4% as US stocks rebounded. Separate a one-day recovery from earnings expectations, bond yields and the risks in your portfolio.
Bitwise is closing its Dogecoin ETF: the dates BWOW holders need to separate
Bitwise is closing its Dogecoin ETF. Understand the October trading cutoff, cash liquidation process and why an ETF closure differs from a coin collapse.
US mortgage rates reach 6.76% in Freddie Mac's survey: compare the loan, not just the headline
US mortgage rates averaged 6.76% in Freddie Mac's September 10 survey. Compare monthly payments, points and closing costs before relying on a quoted average.
Singapore's STI edges higher while more shares fall: look beneath the bank-led index
Singapore's STI rose on September 11 even as declining stocks outnumbered gainers. Learn how bank concentration can separate an index from your portfolio.
Singapore's new stablecoin consultation: a regulatory label still needs rules behind it
Singapore's MAS stablecoin consultation runs to October 16. Understand proposed safeguards, issuer checks and why consultation is not final authorisation.
HDB resale proceeds move to electronic payment: what sellers should check before completion
HDB resale applications submitted from September 7 use electronic cash payouts. Check bank details, CPF refunds and the amount available for your next home.
Trainline announces another £100m buyback: fewer shares do not automatically create better value
Trainline plans a new £100m buyback after its current programme. Understand share cancellation, earnings per share and the cash cost before judging value.
The FCA crypto application window opens this month: an application is not an authorisation
The FCA crypto application window is scheduled for 30 September. Learn how the transition differs from approval and what UK customers should verify.
Berkeley reports cautious housing conditions: what a developer update can tell a homebuyer
Berkeley describes stable trading in a cautious housing market. Separate a builder's outlook from local asking prices, mortgage offers and completion risk.
BMO targets C$70 billion for Canadian growth: capital mobilised is not bank profit
BMO aims to mobilise C$70 billion over a decade for Canadian infrastructure and industry. Distinguish financing activity, balance-sheet risk and earnings.
OSFI finalises 2027 crypto capital guidance: bank rules do not insure a token's value
OSFI has published its 2027 banking guideline for crypto exposures. Understand capital treatment, implementation dates and the limits of customer protection.
Canadian household wealth rises, but that does not pay a mortgage renewal
Canadian household wealth rose in Q2, led by financial assets. Why national net worth and debt-service averages cannot replace your mortgage renewal budget.
Dubai and Hong Kong plan closer market links: what UAE investors should wait to see
Dubai and Hong Kong have formed a capital-markets working group. Distinguish cooperation plans from live trading access, settlement terms and investor rights.
Coinbase's Abu Dhabi tokenisation hub: read the permission and the shareholder contract separately
Coinbase has announced an ADGM tokenisation hub with FSRA permission. Understand custody, tokenised securities and why product rights still need checking.
Abu Dhabi's September 16 occupancy-certificate deadline: what owners and buyers should verify
Abu Dhabi owners face a September 16 occupancy-certificate application deadline. Check building documents, renewal status and responsibilities before completion.
Global explainer
Nasdaq’s Kraken investment: does a stock token make you a shareholder?
Nasdaq’s Payward investment puts tokenized stocks in focus. Understand ownership rights, trading spreads and what to check before a planned launch becomes reality.