For a higher-rate taxpayer, pensions usually win outright. For a basic-rate taxpayer who expects to stay basic-rate in retirement, the maths is much closer: £10,000 into a pension becomes a £12,500 gross contribution via tax relief, but is taxed on the way out; £10,000 into an ISA gets no relief in but is fully tax-free out. Here's the actual 2026/27 comparison.
Freelance podcast editors juggle monthly software subscriptions and one-off hardware purchases with very different tax treatment. Full worked example on £32,000 turnover, plus the AIA rules on mics and interfaces.
Self-employed potters and ceramicists selling via markets, galleries and online face kiln costs, clay stock and stall fees. Full worked example on £19,000 turnover shows a £190 tax and NI bill.
What happens to already-paid solicitor and survey fees when a UK property chain collapses in 2026/27, and how to reduce the financial risk of an abortive purchase.
Reading anchors the Thames Valley's technology corridor with fast London links and correspondingly high housing costs. Here's the full 2026/27 breakdown of tax, council tax and living costs.
The first £30,000 of genuine redundancy pay is tax-free everywhere in the UK. On a £45,000 payout, the £15,000 excess is taxed as ordinary income at your marginal rate — and that rate depends on where you live. A worker with £20,000 other income pays £895.77 more tax in Scotland; a higher earner pays £527.10 more.
Miss the 5 October registration deadline after going self-employed and you could face a Failure to Notify penalty of up to 100% of the tax owed. Full timeline and worked example.
How to remortgage in the UK with defaults, CCJs, or missed payments on your credit file in 2026/27 — specialist lenders, rates, and a worked example.
How UK landlords release equity from a buy-to-let property via remortgage in 2026/27 — ICR limits, tax treatment of the funds raised, and a worked example.
How a transfer of equity and remortgage works when buying out an ex-partner's share of a UK property in 2026/27, including affordability, Stamp Duty, and worked figures.
How UK tax rules treat letting a property to family below market rent in 2026/27 — restricted expense deductions, Capital Gains Tax, and mortgage considerations.
Since holiday years starting on or after 1 April 2024, employers can legally pay irregular-hours and part-year workers an extra 12.07% on top of every payslip instead of paying separately when leave is taken. Here's how the calculation works and what to check on your payslip.
