Second Property Stamp Duty
Buying a second residential property in the UK triggers an additional Stamp Duty Land Tax charge in England and Northern Ireland, an Additional...
Royal London Pension Drawdown
Royal London is the UK's largest mutual life and pensions company, with operations in personal pensions, workplace pensions, individual savings...
Registering A Sole Trader Business
A sole trader is an individual carrying on a trade or profession in their own name, without forming a separate legal entity such as a limited company...
Mortgage Broker Fees
UK mortgage brokers are paid by some combination of a fee charged to the borrower and a commission paid by the lender.
Mortgage Agent Fees
A mortgage agent (more commonly called a mortgage broker or, in regulated terms, a mortgage adviser) is paid by some combination of a fee charged...
Mortgage Advisor Salary
A mortgage advisor (the UK regulated term is "mortgage adviser", and the practical job is the same as "mortgage broker") helps borrowers find and apply...
How To Avoid Inheritance Tax On A Property
Inheritance tax in the UK is charged at 40 percent on the value of an estate over the available nil-rate bands at the date of death.
How Does Equity Release Work When You Die
Equity release is the umbrella term for a group of products that allow homeowners aged 55 or over to release cash from their home without selling it or...
Group Income Protection
Group income protection sits in the workplace benefits space alongside group life assurance, group critical illness and private medical insurance.
First Direct Mortgage In Principle
First Direct is the digital and telephone arm of HSBC UK and is consistently among the top-rated UK banks in customer satisfaction surveys.
Equity Release Companies To Avoid
Equity release is a regulated financial product that allows homeowners aged 55 or over (the typical minimum) to release cash from their home without...
Cheapest Place To Live In England
The question "where is the cheapest place to live in England?" has several different answers depending on the metric used.
Cash ISA Vs Stocks And Shares ISA
The Individual Savings Account (ISA) is the UK's main tax-protected wrapper for personal savings and investing.
Aviva Pension Review
Aviva plc is a FTSE 100 insurance and savings group whose UK pensions business sits inside Aviva Life and Pensions UK Limited.
Are Solar Panels Worth It UK
Solar photovoltaic (PV) panels turn daylight into direct-current electricity, which is converted to alternating current by an inverter and either used...
5 Pound Coin Value
The UK five pound coin (sometimes called a "crown" by collectors, after the predecessor coin in the pre-decimal currency) is a commemorative coin...
1257L M1 Tax Code
UK PAYE tax codes have three parts: a number (the tax-free amount divided by 10), a letter (the category code), and (where applicable) an...
Tax Code 1257L Meaning
1257L is the most common UK PAYE tax code. It applies to anyone with a single source of PAYE income who is entitled to the standard personal allowance...
St. James's Place Exit Fees
St. James's Place is the largest wealth management firm in the UK by assets under management.
Sneaky Tax Traps On Savings Interest
Higher savings rates over recent years have pushed many people back into actually paying tax on their savings interest, often for the first time in...
Second Charge Mortgage Rates
A second charge mortgage is a regulated loan secured against a property that already has a first charge mortgage in place.
Pension Lifetime Allowance Abolished: The LSA and LSDBA Rules for 2026/27
The Lifetime Allowance was, for many years, the headline cap on UK pension saving.
P45 Vs P60
P45 and P60 are two of the most familiar PAYE forms but their purposes are often confused, particularly by new employees and people changing jobs.
0T Tax Code
The 0T tax code is one of several "non-standard" PAYE codes that turn up when the standard 1257L code does not fit.
Moving Home Fees
Moving home is rarely a single transaction. For most movers it is two transactions running in parallel: a sale of the existing property and a purchase...
K Tax Code
Most UK PAYE tax codes look like 1257L: a number representing the personal allowance and a letter indicating how the code is applied.
Inheritance Tax When Second Parent Dies
Inheritance tax is charged on the estate of someone who has died: their property, money and possessions, less debts and reliefs.
Indemnity Policy
An indemnity policy is a niche but useful piece of insurance that turns up in many residential property transactions.
How To Avoid Paying Tax On Rental Income
"Avoid" is the word that often appears in search queries about rental income tax, but the realistic question for most landlords is how to pay no more...
How Much Is Emergency Tax
"Emergency tax" is one of those phrases used loosely. People reach for it whenever a payslip shows a much larger tax deduction than expected.