https://calchub.uk/blog/ Plain-English UK personal finance articles — tax, mortgages, salaries, savings, energy and the headlines that affect your money. en-GB Sun, 30 Aug 2026 08:02:53 GMT CalcHub.uk https://calchub.uk/blog/self-assessment-after-you-file/ https://calchub.uk/blog/self-assessment-after-you-file/ What happens after you submit your Self Assessment return — refunds, balancing payments, amendments, HMRC enquiries, the SA302 for mortgages, and the 5-year record-keeping rule Tue, 22 Sep 2026 00:00:00 GMT Emma Clarke Tax & Finance self-assessmentself-employedtax-year-2025-26 https://calchub.uk/blog/self-assessment-making-tax-digital/ https://calchub.uk/blog/self-assessment-making-tax-digital/ Making Tax Digital for Income Tax (MTD ITSA) starts April 2026 for £50k+ self-employed and landlords. Here's what it means, when it applies to you, the software requirements and how it changes Self Assessment forever. Tue, 15 Sep 2026 00:00:00 GMT Emma Clarke Tax & Finance self-assessmentself-employedtax-year-2026-27mtd https://calchub.uk/blog/self-assessment-payments-on-account/ https://calchub.uk/blog/self-assessment-payments-on-account/ How HMRC's payments-on-account system works, why your first January bill is bigger than expected, when to reduce them, and the trap of treating January and July as separate Tue, 08 Sep 2026 00:00:00 GMT Emma Clarke Tax & Finance self-assessmentself-employedtax-year-2025-26 https://calchub.uk/blog/self-assessment-capital-gains/ https://calchub.uk/blog/self-assessment-capital-gains/ How to declare capital gains on your Self Assessment. Shares, crypto, second properties, the £3,000 annual exemption, 60-day property reporting, pooling rules and worked examples for 2025/26. Tue, 01 Sep 2026 00:00:00 GMT Emma Clarke Tax & Finance self-assessmentcgttax-year-2025-26calc-capital-gains-tax https://calchub.uk/blog/90-day-isa-cash-transfer-rule-uk/ https://calchub.uk/blog/90-day-isa-cash-transfer-rule-uk/ How to transfer a cash ISA correctly, the 15-day FCA rule, LISA transfer fees, partial transfers explained, and the step-by-step process. Sun, 30 Aug 2026 00:00:00 GMT Emma Clarke Savings & Investing ISAcash ISAISA transferLISAsavings https://calchub.uk/blog/autumn-budget-2025-take-home-pay-impact/ https://calchub.uk/blog/autumn-budget-2025-take-home-pay-impact/ How the October 2025 Budget changes to employer NI, the NLW rise, and frozen thresholds affect take-home pay across every salary band. Sun, 30 Aug 2026 00:00:00 GMT Emma Clarke Tax & Finance budget 2025take-home payemployer NINational Living Wageincome tax https://calchub.uk/blog/graduate-first-job-tax-uk-2026/ https://calchub.uk/blog/graduate-first-job-tax-uk-2026/ Emergency tax codes, Plan 5 student loan repayments, auto-enrolment, and a worked example of a £26,000 graduate salary take-home calculation. Sun, 30 Aug 2026 00:00:00 GMT Emma Clarke Tax & Finance graduatefirst jobPAYEstudent loanincome taxNI https://calchub.uk/blog/hmrc-child-benefit-hicbc-2026/ https://calchub.uk/blog/hmrc-child-benefit-hicbc-2026/ The HICBC reformed in April 2024: new £60k threshold, household income basis, taper to £80k. Pension salary sacrifice strategy and a worked example. Sun, 30 Aug 2026 00:00:00 GMT Emma Clarke Tax & Finance child benefitHICBChigh incomesalary sacrificeself assessment https://calchub.uk/blog/isa-deadline-5-april-2027-checklist/ https://calchub.uk/blog/isa-deadline-5-april-2027-checklist/ Use-it-or-lose-it ISA allowance £20k, LISA bonus deadline, JISA limit, top platform rates, transfer timing, and a 5-step end-of-year checklist. Sun, 30 Aug 2026 00:00:00 GMT Emma Clarke Savings & Investing ISAISA deadlineLISAend of tax yearsavings https://calchub.uk/blog/mortgage-on-flat-with-cladding-uk-2026/ https://calchub.uk/blog/mortgage-on-flat-with-cladding-uk-2026/ EWS1 ratings, which lenders accept B1/B2 cladding, the Building Safety Fund, and a practical checklist for buyers of flats with cladding issues. Sun, 30 Aug 2026 00:00:00 GMT James Morgan Mortgage & Property claddingEWS1flat mortgagebuilding safetyleasehold https://calchub.uk/blog/probate-uk-how-long-does-it-take/ https://calchub.uk/blog/probate-uk-how-long-does-it-take/ Grant of Probate timelines, HMCTS fees, IHT400 vs IHT205, the chicken-and-egg IHT problem, and a 15-point executor checklist for 2026. Sun, 30 Aug 2026 00:00:00 GMT James Morgan Savings & Investing probateinheritance taxestate administrationexecutorIHT https://calchub.uk/blog/uk-agricultural-property-relief-farms-2026/ https://calchub.uk/blog/uk-agricultural-property-relief-farms-2026/ APR protects farmland and farmhouses from inheritance tax -- but the Budget 2024 combined GBP 1M cap with BPR changes the picture from April 2026. Sun, 30 Aug 2026 00:00:00 GMT Emma Clarke Tax & Finance apragricultural-reliefinheritance-taxfarming https://calchub.uk/blog/uk-annual-investment-allowance-capital-allowances-2026/ https://calchub.uk/blog/uk-annual-investment-allowance-capital-allowances-2026/ The AIA lets businesses deduct the full cost of qualifying plant and machinery up to GBP 1 million in the year of purchase. Here is how it works in 2026/27. Sun, 30 Aug 2026 00:00:00 GMT Emma Clarke Tax & Finance aiacapital-allowancesbusiness-tax2026hmrc https://calchub.uk/blog/uk-annual-investment-allowance-timing-2026/ https://calchub.uk/blog/uk-annual-investment-allowance-timing-2026/ AIA gives 100% first-year relief on up to £1m of plant and machinery. How to time purchases around your accounting year, pool interactions, and group company rules. Sun, 30 Aug 2026 00:00:00 GMT Emma Clarke business annual investment allowanceAIAcapital allowancescorporation taxbusiness investment2026 https://calchub.uk/blog/uk-beneficial-loan-arrangements-tax-2026/ https://calchub.uk/blog/uk-beneficial-loan-arrangements-tax-2026/ How HMRC taxes beneficial loans to employees and directors in 2026 -- the official rate, P11D reporting, exemptions under £10,000, and director loan accounts. Sun, 30 Aug 2026 00:00:00 GMT Emma Clarke Tax & Finance beneficial loanp11ddirector loanbenefit in kind2026 https://calchub.uk/blog/uk-building-insurance-explained-2026/ https://calchub.uk/blog/uk-building-insurance-explained-2026/ What buildings and contents insurance covers, how to set your sum insured correctly, flood risk ratings, new-build cover, and HMO insurance requirements. Sun, 30 Aug 2026 00:00:00 GMT Emma Clarke Mortgage & Property buildings insurancecontents insurancehome insuranceflood risk2026 https://calchub.uk/blog/uk-business-asset-disposal-relief-2026/ https://calchub.uk/blog/uk-business-asset-disposal-relief-2026/ BADR CGT rate rose to 14% from April 2025. Learn who qualifies, the £1m lifetime limit, qualifying conditions, and how to plan a business sale efficiently. Sun, 30 Aug 2026 00:00:00 GMT Emma Clarke Tax & Finance uk tax2026capital gains taxbusiness saleBADR https://calchub.uk/blog/uk-business-mileage-hmrc-rates-2026-27/ https://calchub.uk/blog/uk-business-mileage-hmrc-rates-2026-27/ HMRC approved mileage allowance rates for 2026/27 -- cars, motorcycles and bikes. How employees and self-employed workers claim, plus MAPs and tax treatment. Sun, 30 Aug 2026 00:00:00 GMT Emma Clarke Tax & Finance business mileagehmrc mileage ratesapproved mileage2026 https://calchub.uk/blog/uk-business-property-relief-inheritance-tax-2026/ https://calchub.uk/blog/uk-business-property-relief-inheritance-tax-2026/ Business Property Relief can remove 100% of qualifying business assets from your IHT estate -- but Budget 2024 introduced a GBP 1M cap from April 2026. Sun, 30 Aug 2026 00:00:00 GMT Emma Clarke Tax & Finance bprinheritance-taxihtbusiness-assets https://calchub.uk/blog/uk-business-rates-retail-hospitality-leisure-relief-2026-27/ https://calchub.uk/blog/uk-business-rates-retail-hospitality-leisure-relief-2026-27/ The Retail, Hospitality and Leisure business rates relief scheme for 2026/27 -- eligibility, how much you can save, how to apply, and interaction with other reliefs. Sun, 30 Aug 2026 00:00:00 GMT Emma Clarke business business ratesretail reliefhospitality reliefrates relief2026 https://calchub.uk/blog/uk-capital-gains-tax-rates-2026-27/ https://calchub.uk/blog/uk-capital-gains-tax-rates-2026-27/ CGT rates were equalised in October 2024. Here is what the 2026/27 rules mean for property, shares, and business assets. Sun, 30 Aug 2026 00:00:00 GMT Emma Clarke Tax & Finance capital-gains-taxcgt2026uk-taxpropertybadr https://calchub.uk/blog/uk-carried-interest-32-percent-tax-2026/ https://calchub.uk/blog/uk-carried-interest-32-percent-tax-2026/ Carried interest CGT rises to 32% from April 2026. Who is affected, what qualifies, income treatment for non-qualifying carried interest, and AIFMD conditions. Sun, 30 Aug 2026 00:00:00 GMT Emma Clarke Tax & Finance uk tax2026carried interestcapital gains taxprivate equity https://calchub.uk/blog/uk-carried-interest-tax-treatment-2026-27/ https://calchub.uk/blog/uk-carried-interest-tax-treatment-2026-27/ A new carried interest regime took effect from April 2025, replacing the old 28% CGT treatment with a 32.5% blended rate. Here is what the changes mean for fund managers and how the transition rules apply. Sun, 30 Aug 2026 00:00:00 GMT Emma Clarke investment carried-interestprivate-equitycapital-gains-taxinvestment https://calchub.uk/blog/uk-child-benefit-universal-credit-interaction-2026/ https://calchub.uk/blog/uk-child-benefit-universal-credit-interaction-2026/ Understanding the overlap between Child Benefit and Universal Credit in 2026 -- the High Income Child Benefit Charge, UC child element, and which to prioritise. Sun, 30 Aug 2026 00:00:00 GMT Emma Clarke benefits child benefituniversal credithicbc2026 https://calchub.uk/blog/uk-child-trust-fund-maturity-guide-2026/ https://calchub.uk/blog/uk-child-trust-fund-maturity-guide-2026/ CTFs are maturing for young adults born 2002-2011. How to find a lost account, transfer to an adult ISA, cash out, or invest -- and the tax treatment of withdrawals. Sun, 30 Aug 2026 00:00:00 GMT Emma Clarke Savings & Investing child trust fundCTF2026ISAsavings https://calchub.uk/blog/uk-childcare-tax-free-account-vs-salary-sacrifice-2026/ https://calchub.uk/blog/uk-childcare-tax-free-account-vs-salary-sacrifice-2026/ Which childcare tax saving is better in 2026 -- Tax-Free Childcare (government top-up) or employer salary sacrifice? We compare both for different income levels. Sun, 30 Aug 2026 00:00:00 GMT Emma Clarke benefits tax free childcaresalary sacrificechildcare vouchers2026 https://calchub.uk/blog/uk-cis-construction-industry-scheme-2026/ https://calchub.uk/blog/uk-cis-construction-industry-scheme-2026/ CIS requires contractors to deduct 20% (or 30%) from subcontractor payments. Here is the full guide to registration, returns and reclaiming overpayments in 2026/27. Sun, 30 Aug 2026 00:00:00 GMT Emma Clarke Tax & Finance cisconstructioncontractorssubcontractors2026hmrc https://calchub.uk/blog/uk-cis-domestic-reverse-charge-vat-2026/ https://calchub.uk/blog/uk-cis-domestic-reverse-charge-vat-2026/ How the Construction Industry Scheme domestic reverse charge VAT works in 2026 -- who it applies to, invoicing rules, cash flow impact, and common mistakes. Sun, 30 Aug 2026 00:00:00 GMT Emma Clarke business cisreverse charge vatconstructionvat2026 https://calchub.uk/blog/uk-company-car-hybrid-bik-2026-27/ https://calchub.uk/blog/uk-company-car-hybrid-bik-2026-27/ Company car benefit-in-kind tax 2026/27: EV at 3%, PHEV 5-12%, diesel 37%+. How salary sacrifice cuts your BIK bill and what changes by 2028. Sun, 30 Aug 2026 00:00:00 GMT Emma Clarke Tax & Finance company carbenefit in kindBIKelectric vehiclesalary sacrifice2026 https://calchub.uk/blog/uk-company-director-self-assessment-2026/ https://calchub.uk/blog/uk-company-director-self-assessment-2026/ Company directors must file a Self Assessment tax return. Learn what to declare -- salary, dividends, director loans, benefits in kind, P11D -- and key 2026/27 deadlines. Sun, 30 Aug 2026 00:00:00 GMT Emma Clarke Tax & Finance self assessmentcompany directordividendsdirector loanP11D2026