Same £50,000 pension pot, two fund choices. One tracker at 0.15% OCF, one active fund at 0.85% OCF assuming identical gross returns. Over 30 years the gap is over £30,000.
Distributions up to £25,000 on informal strike-off can qualify for capital treatment under ESC C16 — above that, you need a formal MVL. Full worked comparison of a £20,000 and a £150,000 close-down.
Inherit an ISA and only a spouse gets the tax-free wrapper — everyone else gets cash that counts toward the estate for IHT. Inherit a pension before age 75 and it can pass on completely tax-free to anyone. Here's how the two really compare.
What happens when you inherit a rental property that still has a buy-to-let mortgage attached, including lender consent-to-transfer rules, probate timelines and the CGT base cost reset.
An interim finance director on £700/day across a 6-month engagement (£91,000) nets around £60,140 outside IR35 versus £55,855 inside — a £4,285 gap, with interim roles typically carrying higher inside-IR35 risk than standard contracting.
Self-employed interior designers carry CAD software subscriptions, swatch libraries and showroom mileage as core costs. Full worked example on £38,000 turnover shows what a designer actually keeps after tax in 2026/27.
Inverness offers city-level services with Highland scenery on the doorstep, but rural Highland living brings its own cost pressures. Here's the full 2026/27 picture on tax, council tax and everyday costs.
IT contractors on £500/day (£115,000/year) take home roughly £71,000 outside IR35 versus £67,700 inside — a £3,300 gap once employer NI and marginal relief are correctly accounted for. Full test-by-test breakdown.
Jersey is a Crown Dependency with its own tax system entirely separate from the UK's — flat-rate income tax, no capital gains tax, and no council tax as Britain knows it. Here's what actually changes if you relocate.
Self-employed jewellery makers carry unusually high stock costs in silver and gold, plus hallmarking fees most trades never see. Full worked example on £24,000 turnover showing what's actually left after tax.
How lenders assess joint mortgage affordability for cohabiting, unmarried couples, and what protections you need in place given the lack of automatic legal rights on separation.
Kitchen fitters working for contractors face CIS deductions at source, while those going direct to homeowners don't. Worked example on £42,000 turnover breaks down both routes for 2026/27.
