money-guides

Ofgem Energy Price Cap History: Every Quarterly Level Since 2019

Complete Ofgem energy price cap history from Q1 2019 to Q3 2026. Current cap: £1,641 (Q2 2026). Rising to £1,862 in July 2026 (+13%). Every quarterly level explained, including the Energy Price Guarantee period. Source: Ofgem.

24 Jun 2026 · 6 min read

UK Company Insolvency Statistics 2026: CVLs, Administrations and Sector Data

1,868 company insolvencies in England and Wales in May 2026 -- 16% lower than May 2025. CVLs account for 72% of all cases. Construction remains the most affected sector with 3,931 insolvencies in the past 12 months. Source: Insolvency Service / Companies House, June 2026.

25 Jun 2026 · 6 min read

UK Mortgage Rates and Household Debt Statistics 2026

Average two-year fixed mortgage rate 4.81% in May 2026. SVR 6.60%. Household debt at 117.5% of disposable income. Individual insolvencies up 20.4% year-on-year in Q1 2026. Sources: Bank of England, Insolvency Service, House of Commons Library.

25 Jun 2026 · 5 min read

UK Insolvency Statistics 2026: IVA, DRO and Bankruptcy Data

12,252 individual insolvencies in England and Wales in March 2026 -- 30% higher than March 2025. DROs hit a record high. One in 379 adults entered insolvency in the 12 months to March 2026. Source: Insolvency Service, April 2026.

25 Jun 2026 · 6 min read

UK EPC Ratings Data 2026: Energy Efficiency of Homes by Region

Charts and data on UK EPC ratings: average bands by region, national distribution, new vs existing homes trend, and the 2030 rental Band C deadline. Sources: ONS, MHCLG Q1 2026.

25 Jun 2026 · 6 min read

CQC Care Home Ratings UK: Find and Compare Rated Homes by Region

CQC-rated care homes across England by region. 14,780 registered homes -- 82.7% rated Good or Outstanding. Source: CQC Care Directory, June 2026.

24 Jun 2026 · 8 min read

Export Health Certificate Vets UK: APHA-Registered OV Directory by Region

Find APHA-registered Official Veterinarians for export health certificates across England. Pets, livestock, food products, equines. All 10 regions. Source: APHA GOV.UK.

24 Jun 2026 · 18 min read

Pension Scam Protection 2026: New DWP Rules and How to Spot a Pension Fraud

DWP announced strengthened pension scam protections on 9 June 2026 under the Pension Schemes Act 2026. Trustees can now refuse suspicious transfers. Eight scam warning signs every pension saver should know.

24 Jun 2026 · 4 min read

Warm Homes Plan 2026: Free Insulation, Heat Pump Grants and Solar Loans - What You Can Claim

The government's £15bn Warm Homes Plan has several schemes open now. ECO4 free upgrades run until December 2026. The Boiler Upgrade Scheme £7,500 heat pump grant is open to all homeowners. Full guide.

24 Jun 2026 · 5 min read

DB Pension Surplus Release 2026: DWP Consults on Unlocking £160bn for Employers and Members

4 in 5 defined benefit pension schemes are now in surplus. DWP launched a consultation on 10 June 2026 on rules to release some of the estimated £160bn surplus. What it means for members and employers.

24 Jun 2026 · 4 min read

Consumer Credit Act Reform 2026: What the Overhaul Means for Credit Cards, Loans and Borrowers

The 50-year-old Consumer Credit Act 1974 is being replaced under the Financial Services and Markets Bill 2026. Section 75 stays. Unenforceability sanctions go. What changes and when for borrowers.

24 Jun 2026 · 5 min read

Car Finance Claim Without a CMC: Free Step-by-Step Guide to Claiming Your £829

You do not need a claims firm to claim car finance compensation. The FCA confirms the process is free. This guide walks through every step using the FCA's own template - and keeps 100% of your payout.

24 Jun 2026 · 5 min read

First Time Buyer ISA: Government Consults on LISA Replacement Launching April 2028

The government launched its FTB ISA consultation on 23 June 2026 to replace the Lifetime ISA from April 2028. No penalty on withdrawal, bonus paid at purchase. What existing LISA holders need to know.

24 Jun 2026 · 5 min read

UK Parcel Tax Loophole Change 2026: How Import VAT Rules Are Tightening on Overseas Retailers

The government is closing a VAT loophole that let overseas retailers ship low-value parcels to UK buyers without collecting tax. What is changing and what it means for consumers.

24 Jun 2026 · 4 min read

Shabana Mahmood ILR Plans 2026: Lords Committee Says 10-Year Rule is Manifestly Unfair

The House of Lords has criticised plans to double the ILR qualifying period from 5 to 10 years, saying retrospective application is unfair. What the changes mean and who is affected.

24 Jun 2026 · 5 min read

Mineworkers Pension Scheme 2026: Labour Considers £1bn Extra Payment and Surplus Rule Change

Labour is weighing a further £1 billion for the Mineworkers' Pension Scheme on top of the £3.8bn already paid since 2024. What the 1994 deal was and what could change.

24 Jun 2026 · 4 min read

Pension Triple Lock 2026: 4.8% Rise, £241.30 Per Week and the Tax Threshold Warning

The triple lock delivered a 4.8% State Pension rise in April 2026. Full new State Pension is now £241.30 per week - just £22.40 below the frozen Personal Allowance. What this means for pensioners.

24 Jun 2026 · 5 min read

NS&I British Savings Bonds Rates June 2026: Up to 4.69% AER After Rate Hike

NS&I raised British Savings Bonds rates on 23 June 2026. The 1-year bond now pays 4.69% AER. Full rate table, how the bonds work, and how they compare to the market.

24 Jun 2026 · 4 min read

HMRC ISA Tax Changes 2027: 22% Charge on Cash in Stocks and Shares ISAs Confirmed

HMRC has confirmed a 22% tax on cash interest inside Stocks and Shares ISAs and a £12,000 Cash ISA limit for under-65s from April 2027. What it means for savers.

24 Jun 2026 · 4 min read

Tax on Savings Interest UK 2026/27: Personal Savings Allowance and What You Can Earn Tax-Free

UK savings interest tax guide 2026/27: basic-rate taxpayers earn 1,000 pounds tax-free, higher-rate 500 pounds. With rates at 4-5%, many savers now exceed their allowance without realising it. ISA interest is always tax-free.

23 Jun 2026 · 5 min read

Capital Gains Tax UK 2026/27: Rates, Annual Exempt Amount and How CGT Works

Capital Gains Tax rates 2026/27: 18% basic rate and 24% higher rate on all assets. Annual Exempt Amount is 3,000 pounds. Property gains must be reported within 60 days. Full guide to CGT rates, worked examples and legal ways to reduce your bill.

23 Jun 2026 · 5 min read

UK VAT Rates 2026/27: Standard 20%, Reduced 5% and Zero-Rated Explained

UK VAT rates 2026/27: standard rate 20%, reduced rate 5% (domestic energy, car seats), zero rate 0% (food, books, children clothing). Registration threshold 90,000 pounds. Full guide to categories, exemptions and schemes.

23 Jun 2026 · 5 min read

Marriage Allowance UK 2026/27: How to Claim up to 1,260 Pounds Free from HMRC

Marriage Allowance lets a non-taxpaying spouse transfer 1,260 pounds of Personal Allowance to their partner, saving up to 252 pounds a year in 2026/27. Backdate four years for over 1,000 pounds. Claim free on GOV.UK.

23 Jun 2026 · 4 min read

Self Assessment Tax Return UK 2025/26: Deadlines, Who Must File and How to Submit

Self Assessment tax return deadlines for 2025/26: register by 5 October 2026, online return by 31 January 2027. Full guide to who must file, deadlines, penalties and Making Tax Digital.

23 Jun 2026 · 5 min read

Guardian Life Insurance Review UK: Cover, Costs and FCA Regulation

Guardian Life Insurance Review UK: Cover, Costs and FCA Regulation

23 Jun 2026 · 5 min read

Canada Life Insurance Review UK: Cover, Costs and FCA Regulation

Canada Life Insurance Review UK: Cover, Costs and FCA Regulation

23 Jun 2026 · 5 min read

Legal and General Income Protection UK: How It Works and Costs

Legal and General Income Protection UK: How It Works and Costs

23 Jun 2026 · 4 min read

Legal and General Critical Illness Cover UK: What It Covers and ABI Data

Legal and General Critical Illness Cover UK: What It Covers and ABI Data

23 Jun 2026 · 4 min read

Legal and General Life Insurance Review UK: Cover, Costs and FCA Data

Legal and General Life Insurance Review UK: Cover, Costs and FCA Data

23 Jun 2026 · 5 min read

British Gas vs HomeServe Home Emergency Cover UK: Full Comparison

British Gas vs HomeServe Home Emergency Cover UK: Full Comparison

23 Jun 2026 · 4 min read