investing

Yorkshire BS relaunches Easy Access Saver at 3.65% monthly

Yorkshire Building Society relaunched its Easy Access Saver on 9 July 2026 at 3.65% variable, its first online savings product to offer a monthly interest option. Unlike bonus-rate accounts topping the table, the 3.65% figure does not fall after a fixed period.

10 Jul 2026 · 5 min read

Oxbury's 5.01% saver: the bonus maths to 24 December

Oxbury Bank launched its Easy Access Bonus Rate Summer Saver at a table-topping 5.01% AER. The rate includes a 1.50% bonus that ends on 24 December 2026, reverting to 3.51% - and the account was pulled from sale within days.

10 Jul 2026 · 5 min read

Santander's 8% Regular Saver: £200 cap, £104 max interest

Santander has launched an 8% AER Regular Saver, the highest headline savings rate on the UK market in July 2026. The £200 monthly cap limits maximum first-year interest to around £104, and a Santander current account is required.

10 Jul 2026 · 5 min read

The Mills Review: What the FCA's AI Report Means for UK Consumers and Financial Firms

The FCA's Mills Review found 20% of UK adults (11 million people) are likely to use agentic AI in personal finance, and will decide within 3-6 months whether AI chatbots like ChatGPT should require regulatory authorisation.

7 Jul 2026 · 6 min read

Why US Citizens in the UK Should Be Careful With ISAs and LISAs

How US tax law's PFIC rules can make a UK ISA or LISA a costly mistake for US citizens living in the UK, and what alternatives are generally used instead.

5 Jul 2026 · 6 min read

What Happens to Your ISA and SIPP if You Move to Spain

How a UK ISA and SIPP are treated for tax once you become Spanish tax resident, why Spain does not recognise the ISA wrapper, and why cross-border advice matters.

5 Jul 2026 · 6 min read

Transferring SAYE Scheme Shares Into an ISA Without Selling First

How to move Save As You Earn (SAYE) scheme shares directly into an ISA within 90 days of exercise, keeping future growth free of capital gains tax.

5 Jul 2026 · 6 min read

What Happens to Your Child Trust Fund When You Turn 18

How a UK Child Trust Fund matures at 18, what happens if it is left untouched, and how to transfer it into an adult ISA without losing the tax-free wrapper.

5 Jul 2026 · 6 min read

How Compound Growth Actually Works, and Why Costs Compound Too

A plain-English explanation of how compound investment growth works, why starting early matters more than starting big, and why small fee differences compound into large amounts.

5 Jul 2026 · 6 min read

The Enterprise Investment Scheme (EIS) Explained

How the UK Enterprise Investment Scheme works: the 30% income tax relief, capital gains tax benefits, loss relief if a company fails, and the genuine risks involved.

5 Jul 2026 · 6 min read

SIPP Fees: Are ETFs or Funds Cheaper as Your Pension Grows

Comparing percentage-based and flat-fee SIPP charging structures for ETFs versus funds, and why the cheapest option can change as your pension pot grows.

5 Jul 2026 · 6 min read

Tax on Reinvested Dividends: How DRIP Investments Are Actually Taxed

How UK tax applies to dividend reinvestment plans (DRIP): why reinvested dividends are still taxable income, the dividend allowance, and the CGT complication at sale.

5 Jul 2026 · 6 min read

LISA, SIPP or Mortgage Overpayment: Where Extra Money Works Hardest

Comparing a Lifetime ISA, a SIPP and mortgage overpayments as homes for spare cash in the UK: government top-ups, access rules, tax treatment and the real trade-offs.

5 Jul 2026 · 6 min read

How to Transfer a Stocks and Shares ISA Without Losing the Tax Wrapper

How to transfer a UK Stocks and Shares ISA between providers using the official transfer process, cash vs in-specie transfers, and the mistakes that lose your tax-free status.

5 Jul 2026 · 6 min read

SIPP Explained: Self-Invested Personal Pension

A SIPP lets savers choose their own pension investments. Here is how tax relief, contribution limits, and access age actually work under current HMRC rules.

4 Jul 2026 · 7 min read

How to Invest in the Nasdaq (UK Guide)

Most Nasdaq funds track the Nasdaq-100, not the full exchange. Here is how UK investors access it through a UCITS ETF, and the currency risk and tax treatment involved.

4 Jul 2026 · 7 min read

How to Invest in the FTSE 100 (UK Guide)

The FTSE 100 tracks the largest London-listed companies. Here is how UK investors access it through an ETF or index fund, and the tax treatment inside an ISA, SIPP, or general account.

4 Jul 2026 · 7 min read

How to Invest in the S&P 500 (UK Guide)

UK investors cannot buy the S&P 500 directly. Here is how to access it through an ETF or index fund, and the tax treatment inside an ISA, SIPP, or general account.

4 Jul 2026 · 3 min read

Portfolio Landlord UK 2026: Building, Financing and Managing a Property Portfolio

A portfolio landlord owns four or more rental properties. This guide covers how to build a portfolio, finance it, manage tax efficiency, and comply with PRA mortgage rules and the Renters Rights Act 2025.

29 Jun 2026 · 6 min read

FCA Consults on New SIPP Standards: What CP26/20 Means for Pension Holders and Operators

The FCA published Consultation Paper CP26/20 on 22 June 2026, proposing minimum due diligence standards for all SIPP operators and a new Pension Scheme Money and Assets regime to protect pension funds. The consultation closes 24 August 2026. Here is a full explanation of what is proposed, why it mat

24 Jun 2026 · 8 min read

ISA Reforms April 2027: Cash ISA Limit Cut to £12,000 and 22% Tax on S&S ISA Cash Interest Confirmed

HMRC confirmed on 23 June 2026 that the annual cash ISA limit for under-65s will fall from £20,000 to £12,000 from April 2027. Interest on uninvested cash in stocks and shares ISAs will face a 22% charge. Transfers from S&S ISAs to cash ISAs will be blocked. Here is the complete guide to what change

24 Jun 2026 · 8 min read