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A UK umbrella company employs contractors as PAYE staff and handles all tax, NI, holiday pay and employer NI deductions. The contractor receives net pay similar to a permanent employee. This guide covers how umbrellas work, the margins, and choosing one.
16 Jun 2026 · 7 min readSection 75 of the UK Consumer Credit Act 1974 makes credit card issuers jointly and severally liable with merchants for breach of contract or misrepresentation on purchases GBP 100-30,000. This guide covers how to claim, the limits, and the chargeback alternative.
16 Jun 2026 · 6 min readUK Personal Savings Allowance gives GBP 1,000 tax-free interest to basic-rate taxpayers, GBP 500 higher-rate, nil additional-rate. Above the allowance, interest is taxed at the marginal income tax rate. This guide covers the PSA, starting rate for savings, and reporting.
16 Jun 2026 · 7 min readUK savers can use Cash ISAs, Stocks and Shares ISAs, Lifetime ISAs, Help to Save, Premium Bonds, fixed-rate bonds, and easy access accounts. The 2026/27 ISA allowance is GBP 20,000. This guide covers each option, FSCS cover, and how to layer them.
16 Jun 2026 · 10 min readUK regular saver accounts pay headline rates of 5-7% AER on small monthly deposits, typically capped at GBP 50-500 a month. The high rate applies to the average balance, not a lump sum. This guide covers how to use them productively.
16 Jun 2026 · 7 min readUK Premium Bonds are NS&I savings where each GBP 1 bond enters a monthly prize draw. Prizes are tax-free, ranging from GBP 25 to GBP 1 million. This guide covers the mechanics, the prize fund rate, and the comparison with interest-bearing savings.
16 Jun 2026 · 7 min readUK payday loans are subject to FCA price caps since January 2015: maximum 0.8% interest per day, GBP 15 default fees, and a 100% cap on total cost. This guide covers the rules, the alternatives, and how to use payday loans safely (or avoid them).
16 Jun 2026 · 7 min readUK contractors choose between operating through their own limited company (PSC) or through an umbrella company employing them. The choice depends on IR35 status, expected take-home, and administration tolerance. This guide compares both routes.
16 Jun 2026 · 10 min readThe UK Lifetime ISA offers a 25% government bonus on up to GBP 4,000 a year for savers aged 18 to 39, usable for a first home up to GBP 450,000 or retirement at 60. This guide covers eligibility, bonus mechanics, the 25% penalty, and how it compares with a pension.
17 Jun 2026 · 10 min readUK Junior ISAs allow tax-free saving for under-18s with a GBP 9,000 annual allowance. Opened by a parent or guardian, withdrawals are blocked until 18. This guide covers Cash and Stocks and Shares JISAs, Child Trust Fund transfers, and choosing between them.
16 Jun 2026 · 7 min readUK ISAs come in five types: Cash, Stocks and Shares, Lifetime, Innovative Finance, and Junior. Each has different rules and uses but all share the GBP 20,000 annual allowance (Junior is separate). This guide compares them.
16 Jun 2026 · 11 min readUK ISAs can be transferred between providers without using new allowance, provided the transfer is initiated correctly through the new provider. This guide covers the rules for current-year vs prior-year, cross-type transfers, and the Lifetime ISA exception.
16 Jun 2026 · 7 min readUK IR35 determines whether a contractor providing services through an intermediary should be taxed as deemed employed. Chapter 8 (intermediaries) and Chapter 10 (off-payroll) apply different routes. The status determination examines control, substitution and mutuality.
16 Jun 2026 · 9 min read
Help to Buy ISA closed to new savers in November 2019 but existing holders continue with GBP 200/month and a 25% bonus paid at home purchase capped at GBP 3,000. The Lifetime ISA offers a higher bonus paid during saving with a GBP 450,000 property cap. This guide compares them and covers transfers.
16 Jun 2026 · 10 min readA UK flexible ISA allows withdrawal and same-year replacement without using more of the GBP 20,000 allowance. The feature is at the provider's discretion; not all ISAs are flexible. This guide explains how it works.
16 Jun 2026 · 7 min readUK savings split between easy access (instant withdrawal, lower rate) and fixed-rate bonds (locked term, higher rate). This guide compares the trade-offs, the typical rate differential, and how to layer them.
16 Jun 2026 · 7 min readA UK Debt Management Plan is an informal arrangement to pay debts at affordable monthly amounts. Free DMPs are administered by StepChange and National Debtline. This guide covers eligibility, the process, and the credit-file impact.
16 Jun 2026 · 6 min readDefaults and CCJs both stay on a UK credit file for 6 years, though a CCJ paid in full within one month of judgment can be removed from the register entirely.
19 Jul 2026 · 9 min readUK debt solutions include Debt Management Plan (informal), Individual Voluntary Arrangement (formal, 5-6 years), Debt Relief Order (low-income fast track), and Bankruptcy. This guide covers each, the eligibility thresholds, and where free advice helps.
16 Jun 2026 · 7 min readUK credit utilisation - the percentage of available credit being used - is one of the largest factors in credit scores. Keeping utilisation below 30% (ideally below 10%) materially helps. This guide covers how it's measured and managed.
16 Jun 2026 · 7 min readUK credit scores are produced separately by Experian, Equifax and TransUnion using their proprietary models. This guide explains the score ranges, what each agency weighs, and why your scores can differ.
17 Jun 2026 · 7 min readUK credit scores are built from data held by Experian, Equifax and TransUnion. This guide covers what affects the score, how to access free statutory reports, how to fix errors, and how to address problem debt through Breathing Space, DMP, IVA, DRO or Bankruptcy.
16 Jun 2026 · 10 min readFirst-time UK credit card users should start with a credit-builder or low-limit card, pay in full each month, and use less than 30% of the limit. This guide covers the first card choice, the application process, and avoiding common beginner mistakes.
16 Jun 2026 · 6 min readUK credit cards fall into distinct types, but Section 75 of the Consumer Credit Act 1974 protects purchases between £100 and £30,000 on all of them equally.
19 Jul 2026 · 10 min readUK credit-builder credit cards have small limits (GBP 250-1,500) and high APR but accept thin-file and adverse-history applicants. Used responsibly with full monthly payment, they build credit history within 6-12 months. This guide covers providers, costs, and use patterns.
17 Jun 2026 · 7 min readA UK County Court Judgment (CCJ) is a court order to pay a debt, registered on credit files for 6 years. Paying within 30 days removes from public register but keeps on credit file. This guide covers CCJ defence, set-aside, and satisfied status.
16 Jun 2026 · 7 min read
UK contractors must register for VAT once turnover exceeds GBP 90,000 in any rolling 12-month period. The Flat Rate Scheme can simplify accounting. Voluntary registration is also available. This guide covers registration, schemes, and quarterly returns.
7 Jul 2026 · 7 min readUK contractor take-home depends on day rate, working days, IR35 status, structure, and pension/expense decisions. This guide walks through the calculation for PSC outside IR35 and umbrella inside IR35, with worked examples at three rates.
16 Jun 2026 · 10 min readUK contractors operating through PSCs can make highly tax-efficient employer pension contributions (deductible by company, tax-deferred for director). Umbrella contractors use auto-enrolment or salary sacrifice. This guide covers SIPP, the GBP 60,000 annual allowance, and carry-forward.
17 Jun 2026 · 10 min readUK contractor mortgages can be assessed on day rate (specialist lenders) or personal income (mainstream lenders). Specialist contractor mortgages use day rate * 46-48 weeks for affordability, typically supporting larger borrowing. This guide covers the routes and documentation.
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