Editorial Policy

Our editorial mission

Poqet's mission is to make UK property and finance information clear, accurate and accessible to everyone — whether you are a first-time buyer, a landlord or someone trying to understand how mortgages or stamp duty work before making a major financial decision.

We produce educational content only. We do not provide financial advice, make product recommendations or operate as a regulated financial service. Our content is designed to help users understand a topic and form their own questions before speaking to a qualified professional.

How content is researched

All Poqet guides and calculator pages are researched using authoritative UK sources, including:

• HMRC guidance and GOV.UK publications (for tax rates, SDLT thresholds, landlord obligations)
• Bank of England data and reports (for base rate data and mortgage market statistics)
• Financial Conduct Authority (FCA) rules and published guidance
• ONS (Office for National Statistics) housing and finance data
• Legislation.gov.uk for current UK property law
• Revenue Scotland (revenue.scot) for LBTT rates, reliefs and guidance applicable to Scottish property transactions
• Welsh Revenue Authority (gov.wales/welsh-revenue-authority) for LTT rates, reliefs and guidance applicable to Welsh property transactions
• Published rate data from UK mortgage lenders and property portals where cited as context only

We do not rely on press releases, promotional content from commercial sponsors or unverified secondary sources as the primary basis for factual claims about rates, regulations or tax thresholds.

How content is written

Content is written in plain British English. Our goal is to explain financial and legal concepts without jargon, using real examples and worked calculations wherever possible. Each guide aims to cover:

• A clear explanation of the topic
• The relevant UK rules, rates or thresholds
• A practical worked example or interactive calculator where relevant
• Common questions and misconceptions
• A signpost to seek professional advice where appropriate

Calculator logic is tested against known authoritative examples before publication. SDLT calculators are verified against HMRC's published rate tables and example calculations. Mortgage repayment calculators are verified using the standard annuity formula against independent manual calculations.

Content scope and limitations

Poqet provides general educational information about UK property and personal finance. Our content has specific limitations that users should be aware of:

• No personalised advice: calculator results use the figures you enter and apply standard rules. They do not take your individual financial circumstances — income, credit history, existing debts, personal tax position — into account.
• No real-time market data: rates displayed as context (such as typical mortgage rates or average yields) reflect the period in which the guide was last updated, not live market data. Always verify current rates with a lender, broker or official source before using them in financial decisions.
• No product recommendations: Poqet does not recommend specific mortgage products, lenders, advisers or property investments. References to products or companies are editorial context only.
• UK only: all Poqet content covers UK property law, UK tax rules and UK financial regulation. It does not cover equivalent rules in other countries, even where terms appear similar.
• Standard cases only: complex situations — non-residential property, mixed-use, corporate ownership structures, trusts, cross-border transactions, disputed titles — require professional advice specific to the facts. Our calculators and guides cover standard residential cases.

Regional tax content — LBTT and LTT

Property transaction tax in the UK is devolved. Stamp Duty Land Tax (SDLT) applies in England and Northern Ireland and is administered by HMRC. Land and Buildings Transaction Tax (LBTT) in Scotland is set by the Scottish Government and administered by Revenue Scotland. Land Transaction Tax (LTT) in Wales is set by the Welsh Government and administered by the Welsh Revenue Authority (WRA). Each is a separate tax with its own rates, reliefs and rules — not a regional variation of SDLT.

Our LBTT and LTT editorial approach:

• Rate tables are sourced from the administering authority — Revenue Scotland for LBTT, the Welsh Revenue Authority for LTT.
• Calculator logic is tested against the published rate tables before publication.
• LBTT and LTT content distinguishes clearly between Scottish and Welsh rules and the SDLT rules that apply in England and Northern Ireland.
• Each LBTT and LTT page carries a reminder to confirm the current rates with a local solicitor or the relevant authority before completion — because Scottish and Welsh rates can change independently of UK Budget announcements.

If you believe a rate, threshold or relief on the LBTT or LTT pages is incorrect or outdated, please report it via the Contact page, including a reference to the official source you are comparing against.

AI assistance disclosure

Poqet uses AI-assisted tools to support drafting and research efficiency. This means some content is initially drafted or structured using AI language tools. All content produced with AI assistance is reviewed by the Poqet editorial team before publication to ensure factual accuracy, editorial quality and consistency with our standards.

AI assistance does not replace the human review of factual claims. Any rate, threshold or regulatory figure published on Poqet is verified against the authoritative primary sources listed above before going live, regardless of how the content was initially drafted.

How content is reviewed and updated

UK tax rates, mortgage products, stamp duty thresholds, landlord regulations and other figures used in Poqet content can change over time. We review and update content when:

• HMRC or the government announces changes to tax bands or thresholds (e.g. after a Budget statement)
• New UK housing legislation is passed or comes into force
• The Bank of England changes the base rate and rates displayed as context need updating
• We become aware that a figure or fact is out of date
• A user or reader flags an error or change

Updated guides display a "last updated" date. We aim to review high-traffic pages at least annually and to act on any confirmed factual errors within 5 working days of identification.

Editorial independence

Poqet's editorial content is independent of its advertising relationships. Advertisers do not influence which topics we cover, how we cover them or what conclusions our guides reach. The presence of advertising on a page does not indicate any commercial relationship with the topics or products discussed.

Poqet does not accept payment for editorial coverage, sponsored articles or paid product reviews. If this policy changes in future, paid or sponsored content will be clearly labelled as such.

Corrections policy

We take factual accuracy seriously. If you believe any content on Poqet contains an error — including an incorrect rate, out-of-date regulation or miscalculation — please report it to us via the Contact page.

Our corrections process:

• We aim to investigate all reported errors within 5 working days.
• Where an error is confirmed, the affected page is updated promptly and the "last updated" date is revised.
• Significant corrections (such as an incorrect tax rate or regulatory requirement) are noted at the top of the affected page.
• We do not silently delete or hide content found to be incorrect — we correct and update it in place, with a note where the error was material.

We are grateful to readers who take the time to flag errors. Reader corrections are one of the most reliable mechanisms for maintaining quality across a large number of pages.

Contact the editorial team

For editorial enquiries, corrections or feedback, please email hello@poqet.io or use the Contact page.