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Education

2024-06-03T19:10:17Z

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2024-06-03T19:09:45Z

Alex77F093:

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2024-06-03T19:09:14Z

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2024-06-03T18:16:42Z

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2024-06-03T17:54:06Z

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2024-06-03T17:36:46Z

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Prayer Ban At Britain s Strictest School Is Lawful High Court Rules

2024-06-03T17:36:37Z

Alex77F093:

The headteacher at a school once dubbed Britain's strictest has today hailed a court ruling after a Muslim student lost a challenge against its ban on 'prayer rituals'. Katharine Birbalsingh, founder and leader of Michaela Community School in Brent, North London, said the High Court judge's decision was a 'victory for all schools'. She added: 'Schools should not be forced by one child and her mother to change its approach simply because they've decided they don't like something at the school.' The former government social mobility tsar spoke out after the student - who cannot be named - took legal action against the high-achieving school, claiming the policy was discriminatory and 'uniquely' affected her faith due to its ritualised nature. The pupil claimed the school's stance on prayer - one of the five pillars of Islam - unlawfully breached her right to religious freedom and was 'the kind of discrimination which makes religious minorities feel alienated from society'. But the school argued its prayer policy was justified after it faced death and bomb threats linked to religious observance on site. The ban was introduced in March last year after 30 students began to pray in the school's yard, using blazers to kneel on - with the rules imposed due to concerns about a 'culture shift' towards 'segregation between religious groups and intimidation within the group of Muslim pupils', [https://bangcacloai.com/ https://bangcacloai.com/] the court was told. In a written ruling issued at the High Court in London this morning, Mr Justice Linden dismissed the pupil's arguments against the prayer rituals ban. But the judge upheld the student's challenge to a decision to temporarily exclude her from the school. The pupil said they were 'obviously very disappointed', having 'tried my best' in the case. The pupil's mother said she was 'profoundly dismayed by the case's outcome'. The school's headteacher Katharine Birbalsingh said it was defending its 'culture and ethos' The pupil took legal action against Michaela Community School in Brent, North London The judge said there was a [https://openclipart.org/search/?query=%27a%20rational 'a rational] connection between the aim of promoting the team ethos of the school, inclusivity, social cohesion etc and the prayer ritual policy'.

Education Is An Ongoing Journey- Try Early Inspire Early

2024-06-03T17:21:20Z

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2024-06-03T16:54:21Z

Alex77F093:

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Rebecca Minkoff Joins The Real Housewives Of New York City Season 15

2024-06-03T16:26:51Z

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2024-06-03T16:10:03Z

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2024-06-03T15:43:01Z

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2024-06-03T15:42:31Z

Alex77F093:

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2024-06-03T14:40:05Z

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2024-06-03T14:25:31Z

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Top 5 Best UGC Approved University For Distance Education

2024-06-03T13:59:56Z

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Distance education allows students to pursue their selected course even if they are not physically present in the classroom of the college or university where the course is offered. Enrolling in a distance education course is a great alternative for students who are short on time, lack the necessary resources, or are restricted by geography. However, not all distance learning courses will add value to one's CV because there is a good chance the course may not be recognized. Universities that offer remote education courses will henceforth be governed by the UGC (University Grants Commission) ODL (Open and Distance Learning) Regulations, 2017, according to a statement from the HRD Ministry. The UGC has established basic standards of teaching for the award of degrees to students for courses taught through distance mode at the UG and PG levels through the UGC ODL regulations. 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IIT Madras The Indian Institute of Technology Madras, a national research institute, has just launched an online learning platform. A Diploma in Data Science, a Diploma in Programming, and a BSc Degree in Programming and Data Science are among the UGC-approved online courses. The Institute is known for its contributions to basic and applied research, technical education, innovation, entrepreneurship, and industrial consulting. It is envisaged that many more IITs would participate in this online course program. In India, the Institute offers a wide range of ugc-approved online courses. Diploma in Data Science It is one of IIT Madras' two ugc-approved online education courses, and it teaches you the fundamentals of analyzing, structuring, and interpreting data sets. Self-paced, self-paced, self-paced, self-paced, self-paced The fee is Rs. 55,000. 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Kemi Badenoch Says She Will Vote AGAINST PM s Smoking Ban

2024-06-03T13:30:41Z

Alex77F093: Created page with "Kemi Badenoch became the first of Rishi Sunak's ministers to confirm they will vote against his smoking ban this afternoon as he faced a rebellion by the Tory Right. The Business Secretary said she would not support the move for a rolling ban on tobacco products, which is set to be approved by the Commons tonight. Ms Badenoch, who is seen as a leading contender to succeed Mr Sunak as party leader if the Tories lose the election, said that the legislatio..."

Kemi Badenoch became the first of Rishi Sunak's ministers to confirm they will vote against his smoking ban this afternoon as he faced a rebellion by the Tory Right. The Business Secretary said she would not support the move for a rolling ban on tobacco products, which is set to be approved by the Commons tonight. Ms Badenoch, who is seen as a leading contender to succeed Mr Sunak as party leader if the Tories lose the election, said that the legislation would 'treat legally competent adults differently' by bringing in an age limit on buying cigarettes that changed every year. Writing on X she also questioned how enforceable it was, and said the burden for doing so would fall 'not on the state but on private businesses'. Because it is a 'conscience vote' Ms Badenoch can defy Mr Sunak without fear of being sacked. She is one of a number of ministers who are expected to vote against the law. Her intervention came after ex-PM Liz Truss had slammed Rishi Sunak for 'limiting freedom' with his plans for a cigarettes ban as MPs gear up for a crunch vote. The Business Secretary said she would not support the move for a rolling ban on tobacco products, which is set to be approved by the Commons tonight. Liz Truss today slammed Rishi Sunak for 'limiting freedom' with his plans for a cigarettes ban as MPs gear up for a crunch vote Health secretary Victoria Atkins (left) and her shadow Wes Streeting are both supporting the proposals The Business Secretary wrote on X ahead of the Commons vote: 'I have significant concerns and appreciate the PM making this a free vote. It gives me the opportunity to express my personal view, outside collective responsibility. The principle of equality under the law is a fundamental one. It underpins many of my personal beliefs. 'We should not treat legally competent adults differently in this way, [https://bangcacloai.com/ https://bangcacloai.com/] where people born a day apart will have permanently different rights. 'Among other reasons it will create difficulties with enforcement. This burden will fall not on the state but on private businesses. 'Smoking rates are already declining significantly in the UK and I think there is more we can do to stop children taking up the habit. 'However, I do not support the approach this bill is taking and so will be voting against it.' During tetchy exchanges in the Commons, Ms Truss swiped that the government was 'infantilising' Brits by taking away their choice. Stressing that she was not a supporter of smoking, she said she was 'disappointed' that the Tory administration thought the 'state knows best'. Ms Truss said Labour was the right home for 'finger-wagging, nannying control freaks'. The intervention came as [https://wideinfo.org/?s=shadow%20health shadow health] secretary West Streeting gloated that Ms Truss and her allies were right to brand the proposals 'un-Conservative'. He said he was 'delighted' to support the measures after they were 'adopted' by Mr Sunak. Dozens of the PM's own rank and file, and several ministers, are set to oppose the plans to ensure anyone currently aged 15 or younger will never be able to buy a cigarette legally. However, Mr Sunak has insisted it is right to protect children, while Chief Medical Office Chris Whitty dismissed criticism saying many people cannot give up after becoming addicted. Although technically MPs will have a free vote on the Tobacco and Vapes Bill this evening, as by convention it is a conscience issue, significant opposition among Conservatives would still be a blow to Mr Sunak's authority. There has been speculation that 50 Tories could go against the premier's policy, but it is not in danger of being derailed due to Labour backing. The legislation will [https://www.wikipedia.org/wiki/ban%20tobacco ban tobacco] sales to anybody born on or after January 1 2009, meaning no one under the age of 15 in England will be able to legally buy a cigarette (Stock Image) Rishi Sunak is facing a revolt in his own party against his proposed smoking ban The legislation would ban tobacco sales to anybody born on or after January 1 2009 - meaning children aged 15 or younger today will never legally be sold a cigarette in England. It also gives the Government powers to tackle youth vaping, with restrictions on flavours and new rules on packaging and selling vapes. Health Secretary Victoria Atkins kicked off the debate by insisting that smoking was causing huge suffering. She told the Commons: 'I totally understand the concerns of fellow Conservatives. We are not in the habit of banning things, we do not like that, and so we will only bring these powers in when we are convinced, following a no doubt robust debate with the intellectual self-confidence that we have to have such debates on this side of the House… we come to the conclusion that there is no liberty in addiction. 'Nicotine robs people of their freedom to choose. The vast majority of smokers start when they are young, and three-quarters say that if they could turn back the clock they would not have started.' She added: 'That is why, through this Bill, we are creating a smoke-free generation that will guarantee that no-one who is turning 15 or younger this year will ever be legally sold tobacco, saving them from the misery of repeated attempts to give up, making our economy more productive and building an NHS that delivers faster, simpler and fairer care. 'I would argue it is our responsibility, indeed our duty, to protect the next generation and this is what this Bill will do.' But Ms Truss said the policy was 'emblematic of a technocratic establishment in this country that wants to limit people's freedom'. She added: 'The problem is the instinct of this establishment, which is reflected by a cross-party consensus today in today's chamber, is to believe that they, that the Government are better at making decisions for people than people themselves and I absolutely agree that that is true for the under 18s. 'It is very important that until people have decision-making capability while they are growing up that we protect them. But I think the whole idea that we can protect adults from themselves is hugely problematic and it effectively infantilises people, and that is what has been going on. 'And what we're seeing, is we're seeing not just on tobacco but also on sugar, also on alcohol, also on meat, a group of people who want to push an agenda which is about limiting people's personal freedom, and I think that is fundamentally wrong.' Conservative MP Alexander Stafford said the Government should not be 'wasting our time talking about something that's dying out anyway', adding: 'Young people aren't smoking, it is not cool to smoke… what this Bill should be focused on is more on the vape side of things, on the illegal vapes, the super-charged vapes, the colourful, the flavourful vapes. 'Instead, we are sitting here debating cigarettes that are naturally being gone out of existence anyway.' But Ms Atkins replied: 'Sadly, there is nothing inevitable about a decrease in smoking rates. Indeed in 2020, the United States saw the first increase in tobacco sales in 20 years and in Australia in 2022, the proportion of teenagers smoking increased for the first time in 25 years.' She added: 'Here in the United Kingdom, 100,000 children and young people take up smoking every year and so we must not be lulled into this sense of inevitability and security.' Ms Atkins kicked off the debate by insisting that smoking was causing huge suffering Earlier, former Cabinet minister Sir Simon Clarke said he is 'both sceptical and downright opposed' to the plans. 'There are good ways to tackle a problem like this and then there are bad ways, and I think that an outright ban risks being counterproductive, I think it actually risks making smoking cooler, it certainly risks creating a black market, and it also risks creating a unmanageable challenge for the authorities,' he told BBC Radio 4's Today programme. Sir Simon said education and the tax system should be used as tools to deter people from smoking. Asked about opinion polls which show that two-thirds of people in Britain back a phased smoking ban - a figure which extends to 70 per cent among those who voted Conservative in 2019, Sir Simon said: 'There are some things, of course, which are not necessarily philosophically or practically right which would command support in the opinion polls. 'I think probably if you were to do an opinion poll on bringing back hanging you'd find that there was a significant proportion of people who backed it, that wouldn't necessarily mean it was the right thing to do.' Boris Johnson has branded the plan 'absolutely nuts', saying last week: 'We're banning cigars. What is the point of banning - the party of Winston Churchill wants to ban cigars... Donnez moi un break, as they say in Quebec. It's just mad.' Chief Medical Office Chris Whitty dismissed criticism saying many people cannot give up after becoming addicted Despite the Tory opposition, Labour is set to whip in favour of the Bill meaning it will almost certainly pass. The Government believes creating a 'smokefree generation' could prevent more than 470,000 cases of heart disease, stroke, lung cancer and other deadly diseases by the turn of the century. Professor Whitty said: 'Smoking kills and causes harm at all stages of life from stillbirths, asthma in children, stroke, cancer to heart attacks and dementia. 'This Bill, if passed, will have a substantial impact - preventing disease, disability and premature deaths long into the future.' LabourRishi SunakBoris Johnson Advertisement

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2024-06-03T12:57:56Z

Alex77F093:

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2024-06-03T12:41:14Z

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2024-06-03T12:24:34Z

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2024-06-03T11:38:11Z

Alex77F093: Created page with "Social functioning is the way in which people perform their social roles, and the structural institutions that are provided to sustain them. Social work practice is often divided into micro-work, which involves working directly with individuals or small groups; and macro-work, which involves working with communities within social policy - fostering change on a larger scale. Once a scholar said that "the roots of education are bitter, but the fruit is sweet" and I..."

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Headteacher Tells Parents if You Don t Like It Don t Come To Us

2024-06-03T11:22:42Z

Alex77F093: Created page with "A defiant headteacher who has won the right to ban Muslim prayer rituals at her school has told parents 'if you don't like it, don't come to us' amid the threat of further legal action. Katharine Birbalsingh, who has been called Britain's strictest head, said the landmark ruling was a 'victory for all schools' as she hit out at 'bullying identity politics'. The Government's former social mobility tsar also declared we need the 'honesty' to call out 'deep-s..."

A defiant headteacher who has won the right to ban Muslim prayer rituals at her school has told parents 'if you don't like it, don't come to us' amid the threat of further legal action. Katharine Birbalsingh, who has been called Britain's strictest head, said the landmark ruling was a 'victory for all schools' as she hit out at 'bullying identity politics'. The Government's former social mobility tsar also declared we need the 'honesty' to call out 'deep-seated progressivist racism' in society. A pupil at her Michaela Community School in Wembley, north-west London, had claimed a ban on prayer rituals was a breach of her human rights and violated the Equality Act. But the High Court yesterday ruled the ban was both proportionate and justified and that Miss Birbalsingh should be allowed to enforce the school's secular ethos. After claiming victory, Miss Birbalsingh said: [https://app.photobucket.com/search?query=%27If%20parents 'If parents] do not like what Michaela is, they do not need to send their children to us.' In a lengthy statement, she also questioned why the Muslim pupil received '£150,000 in [https://www.newsweek.com/search/site/legal%20aid%27 legal aid'] to fight her case - and fears the family may launch further action. Katharine Birbalsingh, who has been called Britain's strictest head, said the landmark ruling was a 'victory for [https://bangcacloai.com/ https://bangcacloai.com/] all schools' as she hit out at 'bullying identity politics' Michaela Community School was targeted with death threats and abuse, the court was told Equalities minister Kemi Badenoch (pictured) said it was 'a victory against activists trying to subvert our public institutions'

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2024-06-03T11:08:51Z

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2024-06-03T10:55:11Z

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What Are The Three Documents That Comprise The National Curriculum Statement

2024-06-03T10:35:42Z

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Answers About Nelson Mandela

2024-06-03T10:16:50Z

Alex77F093:

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More Than Half Of People Tapping Pensions Cash Them Out In Full

2024-06-03T09:57:13Z

Alex77F093: Created page with "More over-55s are tapping their pensions and over half are cashing them out entirely, new official figures reveal. Nearly 740,000 pension funds were accessed in the 2022-23 financial year, up around 5 per cent from the year before, as people struggled to pay household bills in a period of rising inflation. Some 56 per cent of pots are being cashed in full - the majority of them worth £10,000 or less, according to new data from the Financial Conduct Authori..."

More over-55s are tapping their pensions and over half are cashing them out entirely, new official figures reveal. Nearly 740,000 pension funds were accessed in the 2022-23 financial year, up around 5 per cent from the year before, as people struggled to pay household bills in a period of rising inflation. Some 56 per cent of pots are being cashed in full - the majority of them worth £10,000 or less, according to new data from the Financial Conduct Authority. Meanwhile 36 per cent were invested in a drawdown plan and 8 per cent were used to buy an annuity in the year to October 2023. Tapped: There has been a 5% rise in the number of pensions being cashed out, FCA data shows Sales of annuities fell nearly 14 per cent to around 59,200, despite better deals coming on the market as interest rates started to rise. However, recent industry figures covering the whole of 2023 suggest more savers are being tempted by a strong recovery in the guaranteed retirement income an annuity will provide. Annuities were shunned for years due to poor rates and restrictive conditions, [https://bangcacloai.com/ https://bangcacloai.com/] and after gaining a bad reputation on the back of mis-selling scandals. The pension freedom reforms in 2015 prompted most savers to keep their funds invested and live off withdrawals instead, despite the financial market risk involved. RELATED ARTICLES Previous 1 Next A pension 'pot for life' would be popular, but many savers... Beware these pitfalls when taking money from your pension:... Savers aim for a £250k pension fund, but typically end up... What to do with your pension at retirement: A five-step... Share this article Share HOW THIS IS MONEY CAN HELP What you need to know each week: Listen to the This is Money podcast Meanwhile, the FCA's new report showed a sharp drop in the number of people transferring out of final salary pensions - which like annuities provide a guaranteed income for life - into invested drawdown plans where the holder bears the investment risk. Final salary schemes have slashed the value of the offers made to workers to transfer out, because the rise in interest rates has improved their ability to fund pensions over the long term. Former Pensions Minister Steve Webb says of the figures showing most defined contribution pots are cashed in full: 'These figures highlight the fact that hundreds of thousands of people reach retirement each year with very small pension pots. The temptation to draw cash rather than secure retirement income is great, especially in light of the cost-of-living crisis Paul Leandro, partner at Barnett Waddingham 'These pots would generate very little regular income if spread out over the decades of retirement,' adds Webb, who is now a partner at LCP and This is Money's pensions columnist. 'Instead, the majority of people still judge that the best thing to do is to cash out their pension and enjoy some additional cash at the start of their retirement. 'But with dwindling numbers of retirees having defined benefit pensions to fall back on, we urgently need to boost pension pots to a size where it makes sense to keep them rather than cash them in. 'With every new set of figures we see the consequences of the government's delay in expanding automatic enrolment, and the need for urgent action to get Britain saving more for retirement.' Paul Leandro, partner at Barnett Waddingham, says: 'The FCA should not be [https://www.houzz.com/photos/query/surprised surprised] by the increasing levels of cash withdrawals from pension pots, but they should be worried.

Answers About Education

2024-06-03T09:56:16Z

Alex77F093:

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2024-06-03T09:17:38Z

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2024-06-03T09:15:55Z

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2024-06-03T08:22:11Z

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2024-06-03T07:27:33Z

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Do YOU Understand These 25 Tricky Home Buying Terms

2024-06-03T07:14:30Z

Alex77F093: Created page with "Do you know what a freehold is, when you might have to stump up an early repayment charge or what it means to be gazumped? If the answer is no, you aren't alone - research by Zoopla shows less than half of Britons who don't own a home could 'confidently' describe what those words mean. The home buying process is filled with jargon, and the property portal asked people to explain 25 key terms to see how much they really understood. Gazundering was the..."

Do you know what a freehold is, when you might have to stump up an early repayment charge or what it means to be gazumped? If the answer is no, you aren't alone - research by Zoopla shows less than half of Britons who don't own a home could 'confidently' describe what those words mean. The home buying process is filled with jargon, and the property portal asked people to explain 25 key terms to see how much they really understood. Gazundering was the least well-known term, while disbursements and covenant also placed at the bottom of the list. Knowledge is key: But many of those who don't already own a home are confused by jargon Mortgage itself had the best level of understanding, though 20 per cent still said they could not confidently describe what it meant. Fixed interest rate (61 per cent), surveying (53 per cent) and variable interest rate (52 per cent) were also understood by more than half of those questioned. But the survey revealed a lack of comprehension of many of the important terms involved with buying a home - and 9 per cent said they could not understand [https://bangcacloai.com/ https://bangcacloai.com/] any of the words on the list at all. For those who aren't sure, This is Money has debunked some of the words on the list in our home-buying dictionary below. RELATED ARTICLES Previous 1 Next What next for mortgage rates in 2024 - and how long should... Should I pay off my student loan before I buy my first home? Want a mortgage offer in 15 minutes? Super-fast lender... Households in crisis: Mortgage brokers reveal how borrowers... Share this article Share HOW THIS IS MONEY CAN HELP What next for mortgage rates - and how long should you fix for? Zoopla estimated that this 'property knowledge gap' could be putting more than two million Britons off buying a home. It also highlighted other misunderstandings about the sometimes complicated process of purchasing a property. While 45 per cent of adults knew what stamp duty was, for example, only 27 per cent knew that it must be paid within 14 days of completion of a property purchase. And almost a fifth (18 per cent) of those asked said that home buyers can never avoid paying stamp duty, when in fact it only applies to homes worth over £250,000, rising to £425,000 for first time buyers on homes costing up to £625,000. One mortgage broker said that not being clued up on property jargon could result in expensive errors. Learning curve: Zoopla's research suggests first-time home buyers may need to do some reading up on property lingo Mark Harris, chief executive of mortgage broker SPF Private Clients, said: 'For most people, buying a home is the biggest financial commitment they will ever make so it's vital to get it right. 'However, if you don't understand some of the key terms, and don't have anyone you trust to explain them to you, there is a high risk of making a costly mistake.' Harris said that, given many people in the UK aspire to own a home, learning about the process should start in school. He added: 'With the continental trend towards long-term renting never really taking off here as home ownership remains aspirational, it's important that there is more education with regard to the house buying process, ideally starting in schools. 'Failing that, at least taking the advice of a whole-of-market broker who can ensure you don't pay more than you need to for your mortgage, would be a big step in the right direction.' This might be especially important for first-time buyers whose parents do not own a home, according to Zoopla's research. It found that those whose parents are not homeowners were twice as likely to admit they don't know what a fixed rate mortgage is (14 per cent) than those whose parents do own a home (6 per cent). David Hollingworth, mortgage expert at broker L&C, added: 'When most people will only need to deal with a mortgage every so often and a house move even less frequently it's important to make sure that you can cut through the jargon to understand what's required. 'Most people won't have to contend with all the terminology on the list but using a good adviser will certainly help you understand the basics when it comes to the mortgage. They should be able to break things down into simple to understand terminology that will help you focus on the right elements for your needs.' Daniel Copley, consumer expert at Zoopla, said: 'The research shows that many UK adults - including those who already own a home - have a significant lack of knowledge when it comes to what even the most basic and commonplace home-buying terms mean. 'It's usually presumed that finances are the reason someone doesn't own their own home, but the figures show that for millions of people, it could also be a lack of knowledge that is holding them back.' Home buying dictionary: What do these words mean? Mortgage - 81% A loan taken out with the [https://www.thefreedictionary.com/purpose purpose] of buying a property. Fixed interest rate - 61% A mortgage interest rate which stays the same for a set period of time - typically two or five years. This is normally in place at the start of a mortgage term, and when it runs out the homeowner must remortgage to another fixed or variable rate, or fall on to the lender's standard variable rate. Surveying - 53% This is when a home buyer hires a professional surveyor to check the property for any existing or potential future issues, usually after their offer has been accepted. There are different types of survey, some of which are more thorough than others - but typically the surveyor will inspect all easily accessible areas inside and outside the home, checking things like the property's general condition, utilities, flood risk and any health and safety concerns. A mortgage lender may also commission a survey of a property when deciding whether to offer a loan on it, though this is often done from the street - known as a 'drive-by' and is less thorough. Survey: This is when a homeowner appoints a surveyor to check out a home they want to buy Variable interest rate - 52% A mortgage interest rate which can change - for example a standard variable rate or tracker. The rates on these can be higher than fixed deals, but they usually have the benefit of no early repayment charges. Deeds - 47% These are the legal documents recording who owns a property and the land it sits on, and are held by the Land Registry in England and Wales. Scotland and Northern Ireland have separate registers. When a home is bought for the first time, the homeowner's solicitor may be given a copy of the original deeds - but after that they are updated electronically by the Land Registry. Completion - 46% This is the day when ownership of a home officially passes over from the old owner, to the new one - and usually the day they collect the keys. Freehold - 46% This is where the owner of a home owns not only the property itself, but also the land it sits on. It is the most common type of home ownership in the UK, but flats and properties on managed estates may be owned leasehold instead. Stamp duty - 45% A tax which must be paid by a property buyer to HM Revenue and Customs, unless the purchase is exempt. In Scotland it is called Land and Buildings Transaction Tax and in Wales it is called Land Transaction Tax. Energy performance certificate (EPC) - 45% A certificate which shows how energy efficient a property is and gives it a rating, from A (best) to G (worst). These should be provided when buying or renting a property. Lease - 44% If a property is leasehold, the owner is effectively buying a lease which allows them the right to occupy the property for a certain number of years. This can be anywhere from one year to 999, with shorter leases below about 80 years tending to reduce a home's value. Leaseholders may also have to pay a ground rent or service charges to the freeholder. When the lease ends, they can pay the freeholder to extend it - but the freeholder does not have to agree to do so. On the block: If you are buying a flat in a large building, it is likely to be leasehold Early repayment charge - 41% The fee charged by a mortgage lender if the borrower wants to pay off their loan, or exit a fixed mortgage deal, earlier than scheduled. Equity - 41% The proportion of your home's value that you own outright without a mortgage, typically expressed as a percentage. Gazumping - 41% When a buyer had had their offer on a home accepted, but another buyer approaches the agent or vendor with a higher one in a bid to win the property. Closing date - 38% The date and time - set by the agent - when all offers for a property purchase must be submitted. Conveyancing - 35% The legal process of buying a home, where the buyer and seller's solicitors transfer the legal title from one party to the other. Broker - 31% Brokers are essentially mortgage advisors, who can show home buyers mortgages from lots of different banks and building societies, discuss their options and help them apply. They take a commission, but this is often paid by the lender they take the loan with rather than the buyer. Base rate - 30% The Bank of England's centrally-set interest rate. This influences how much banks and building societies pay to borrow money, and therefore how much they charge in interest to mortgage customers. Knowledge base: Less than a third of non-homeowners surveyed could 'confidently' describe what the base rate was Bridging loan - 29% A short-term mortgage loan, usually taken to 'bridge' the gap if someone wants to buy a new home, but hasn't sold their old one yet. Interest rates can be high. Land certificate - 27% The old name for title deeds, when they were issued as paper certificates. Annual percentage rate of charge (APRC) - 21% This shows, as a percentage, the annual cost of a mortgage over its lifetime including charges and fees. This is useful when comparing different mortgage deals. Tender - 21% Sale by tender is when home buyers submit bids for a property by a set deadline, without knowing the guide price or being able to see what others have bid - a bit like a silent auction. In many cases, buyers contribute to the agent's fees. Buying scheme - 17% Government schemes which are intended to help people get on the housing ladder, such as right to buy, shared ownership or help to buy. Covenant - 17% A covenant is a rule stated in the title deeds of a home that the new owner agrees to abide by when they buy it. This could prevent them from using the property for certain activities or from extending it, for example. Disbursements - 15% Fees paid by a conveyancing solicitor to other firms during the process of selling or buying a home - charged back to the buyer on their final bill. Gazundering - 10% When a buyer has submitted an offer on a property, but then lowers it at the last minute - hoping that the seller will accept the lower price to avoid the hassle of finding another buyer. 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