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More helpful notes, thanks.
Mark Carney has said he won't be bumping interest rates any time soon despite inflation. God it must suck being Mark Carney right now.
What taxes are you referring to? Capital gains on selling it? I'd be thrilled to be in a position in which I need to pay capital gains (especially over the allowance!). If you meant stamp duty, it doesn't apply on flats below 125k. But maybe there are other things I'm not aware of?