Domestic electricity, including for EV home charging, carries 5% VAT. Public chargepoint electricity is generally standard-rated at 20%. How the gap affects running costs, and what it means for employees reimbursed for charging.
Fuel poverty is defined differently in England, Scotland, Wales and Northern Ireland, and qualifying for help depends on which definition and which support scheme applies. A guide to the definitions and the main schemes available.
The Leasehold and Freehold Reform Act ends new leasehold houses and targets escalating ground rent, but full ground rent reform for existing leases is still being consulted on. Where the law actually stands for existing leaseholders.
Ofgem became the regulator for UK heat networks (communal and district heating) from 2025/26, bringing consumer protections that gas and electricity customers have had for years. What it means if your home is heated this way.
The Leasehold and Freehold Reform Act strengthens leaseholders' rights to a clear, itemised breakdown of service charges and to challenge unreasonable costs. What transparency you're entitled to, and how to challenge a bill.
A 2026/27 guide to Newry: standard UK take-home pay, Northern Ireland's domestic rates system, cross-border retail with the Republic of Ireland, and local housing costs.
A full worked example of NHS Band 2 take-home pay for 2026/27, covering income tax, National Insurance, 2015 NHS Pension Scheme contributions and student loans.
A full worked example of NHS Band 3 take-home pay for 2026/27, covering income tax, National Insurance, 2015 NHS Pension Scheme contributions and student loans.
A full worked example of NHS Band 4 take-home pay for 2026/27, covering income tax, National Insurance, 2015 NHS Pension Scheme contributions and student loans.
A full worked example of NHS Band 8d take-home pay for 2026/27, covering income tax, National Insurance, the personal allowance taper, and 2015 NHS Pension Scheme contributions.
A worked case study of what a £500,000 mortgage actually costs each month at 4.5%, 5% and 5.5%, over 25 and 30 years, repayment vs interest-only, plus the income and SDLT involved.
Farms and smallholdings need specialist agricultural mortgages, not standard residential products. Rates, deposits, land classification rules and worked examples for 2026.
