UK Credit Card Types: 0%, Reward, Cashback, Balance Transfer
UK credit cards include 0% purchase, 0% balance transfer, reward, cashback, credit-builder, and premium. Each serves a different use case. This guide compares them and the FCA CONC rules that apply.
UK Credit Builder Credit Cards Explained
UK 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.
UK Contractor Take-Home: How to Calculate
UK 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.
UK Contractor Pension Options: SIPP and Workplace
UK 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.
UK Contractor Finance: The Complete Guide
UK contractors operate through limited companies (Personal Service Companies), umbrella companies, or as sole traders. IR35 status determines tax treatment. This guide covers the structures, the tax position, and the operational essentials.