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Section 75 of the Consumer Credit Act 1974 makes your credit card provider jointly liable for World Cup ticket, flight and hotel purchases between 100 and 30,000 pounds. Here is how it works.
16 Jun 2026 · 8 min read
HMRC treats cryptocurrency as a capital asset. Selling, swapping or spending crypto can trigger a Capital Gains Tax liability. Here is how UK crypto tax rules work in 2026.
16 Jun 2026 · 2 min read
Romance fraud costs UK victims hundreds of millions of pounds annually. Since October 2024, banks must reimburse most APP fraud victims under PSR mandatory rules.
16 Jun 2026 · 2 min read
Skilled Worker Visa UK cost 2026: application fees, Immigration Health Surcharge of £1,035/year per person, sponsor licence fee, and Certificate of Sponsorship charge.
16 Jun 2026 · 7 min read
Skilled Worker Visa UK new rules 2026: salary threshold rose to £41,700 from July 2025, RQF level 6 minimum applies to most roles, and the Care Worker route closed.
16 Jun 2026 · 7 min read
Student loan repayments reduce disposable income in mortgage affordability assessments. This guide covers how lenders treat student loan debt, the difference between plan types and whether paying off student loans before applying improves affordability.
16 Jun 2026 · 3 min read
Existing debts reduce the maximum mortgage available by increasing committed expenditure in the affordability assessment. This guide covers how lenders assess debt-to-income in UK mortgage underwriting and how to reduce debt to improve affordability.
16 Jun 2026 · 4 min read
Loan to income (LTI) ratios determine how much a lender can offer relative to a borrower's income. This guide covers LTI multiples, the Bank of England's 4.5x cap on most lending and how lenders calculate the maximum mortgage.
16 Jun 2026 · 3 min read
Loan to value (LTV) is the ratio of the mortgage to the property value. This guide covers how LTV affects the interest rate available, which LTV bands produce the best rates and how to improve LTV through a larger deposit or property value growth.
16 Jun 2026 · 3 min read
A history of payday loan use can affect mortgage eligibility even if loans were repaid on time. This guide covers how UK mortgage lenders treat payday loan history, how long the impact lasts and what to do if payday loans have been used recently.
16 Jun 2026 · 3 min read
A part-and-part mortgage splits the loan into a repayment portion and an interest only portion. This guide covers how part-and-part mortgages work, why borrowers use them, lender availability and the repayment vehicle requirement for the interest only element.
16 Jun 2026 · 3 min read
Getting a mortgage under £50,000 is harder than a standard loan due to lender minimum thresholds. This guide covers which lenders consider sub-£50,000 mortgages, the costs involved and alternatives to consider.
16 Jun 2026 · 3 min read
Small mortgages below £50,000 are harder to arrange than standard loans as many lenders impose minimum thresholds. This guide covers minimum loan sizes, which lenders accept small mortgages and alternatives for low-value property finance.
16 Jun 2026 · 3 min read
High value mortgages cover loans typically above £500,000 where standard automated underwriting gives way to specialist assessment. This guide covers how high value mortgage applications work in the UK and which lenders to approach.
16 Jun 2026 · 3 min read
Development finance funds the construction or conversion of residential and commercial properties. This guide covers how development loans are structured, how GDV is used in lending calculations and the difference between development finance and a standard mortgage.
16 Jun 2026 · 3 min read
Bridging loans and mortgages both provide property finance but work very differently. This guide compares the two products on cost, term, purpose and regulation, and explains when a bridging loan is appropriate and when a mortgage is the right choice.
16 Jun 2026 · 3 min read
A shared equity scheme provides a loan toward the property purchase price, reducing the mortgage required. This guide covers how shared equity works, the schemes available in 2026 and the difference between shared equity and shared ownership.
16 Jun 2026 · 4 min read
Visa holders in the UK can apply for mortgages but face specific lender criteria around remaining visa validity and deposit requirements. This guide covers which visa types are accepted, what lenders require and how to find the right product.
16 Jun 2026 · 3 min read
Bankruptcy does not permanently prevent getting a mortgage in the UK. This guide covers when you can apply after bankruptcy, which specialist lenders consider discharged bankrupts and what deposit and rate to expect.
16 Jun 2026 · 3 min read
Having a default on your credit file does not automatically prevent getting a mortgage in the UK. This guide covers how lenders assess defaults, the difference between satisfied and unsatisfied defaults and which specialist lenders consider default applications.
16 Jun 2026 · 3 min read
A family offset mortgage links a family member's savings to a first time buyer's mortgage, reducing the interest charged without the family member losing access to their money. This guide covers how family offset mortgages work, lender availability and the key considerations.
16 Jun 2026 · 4 min read
The Lifetime ISA provides a 25% government bonus on savings that can be used toward a first home purchase. This guide covers LISA eligibility, the property price cap, withdrawal rules and how the bonus interacts with a mortgage.
16 Jun 2026 · 4 min read
An offset mortgage links your savings to your mortgage balance, reducing the interest charged. How offset mortgages work, who offers them and when they make financial sense.
12 Jun 2026 · 5 min read
Insuring an older dog becomes more difficult and expensive as pets age. This guide explains what senior pet insurance covers, why lifetime policies matter for older dogs, and what happens to cover at renewal when a dog is older.
15 Jun 2026 · 3 min read
Employers liability insurance is legally required for UK businesses with employees. This guide explains the legal requirements, what EL covers, who is exempt, and what happens if you do not hold valid cover.
15 Jun 2026 · 3 min read
Car insurance in the UK comes in three levels. This guide explains the difference between third party only, third party fire and theft, and comprehensive cover - and when each is appropriate.
15 Jun 2026 · 3 min read
Private maternity care is not typically covered by standard UK private health insurance. This guide explains why pregnancy is excluded from most PMI policies, what specialist maternity insurance covers, and what NHS maternity care provides.
15 Jun 2026 · 2 min read
Online retailers and e-commerce businesses need product liability, cyber insurance, and goods in transit cover. This guide covers what e-commerce insurance includes, what selling on Amazon and eBay requires, and what cyber cover adds for online businesses.
15 Jun 2026 · 3 min read
Legal indemnity insurance and legal expenses insurance protect against the cost of legal claims and disputes. This guide explains the difference between professional indemnity, legal expenses insurance, and legal protection products.
15 Jun 2026 · 2 min read
Contract works insurance covers buildings under construction against damage to the works in progress. This guide explains what contract works policies cover, how they differ from public liability, and when clients require them.
15 Jun 2026 · 2 min readGet Kael Tripton in your Google feed
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