Most lenders will offer 4-4.5x salary, meaning you need £66,667-£75,000 to borrow £300k alone. Joint applications, higher deposits and stress-test rates all affect the answer.
Your P60 shows your total earnings and tax for the full tax year — but it often differs from simply multiplying your last payslip by 12, or adding up what you think you earned. Here are the five most common reasons for the discrepancy and what to do about it.
For most people, tax codes stay the same from year to year unless your income changes. In 2026/27, the standard code remains 1257L. But if you've had benefits-in-kind, untaxed income, or a salary change, HMRC may issue you a new code in March–April 2026.
Auto-enrolment minimum is 8% but many employers match more. Here's how to maximise employer contributions, understand qualifying earnings vs pensionable pay, and why salary sacrifice makes pension contributions cheaper for you.
£110,000 gross in 2025/26 takes home approximately £72,357 net (£6,030/month) — but the £100k–£125k personal allowance taper costs an extra £4,000 in hidden tax. Full breakdown and how to escape it.
A £200,000 mortgage at current rates (4.3–4.8% fixed) costs approximately £1,100–£1,200 per month on a 25-year repayment basis. Here's exactly how rate, term, and repayment type change your monthly payment.
£90,000 gross in 2025/26 produces approximately £62,958 net (£5,247/month). You're £10,000 from the £100k personal allowance taper. Full income tax, NI and pension breakdown.
Earning £95,000 puts you deep in the Personal Allowance taper zone — and the marginal tax rate is a painful 60%. Here's exactly what you keep after Income Tax, NI, and what you can do about it.
The Ofgem price cap is £1,813 for an average home in Q2 2026 — and winter typically pushes bills 40–60% higher. These 15 actions range from free habits to medium-cost upgrades, ranked by annual saving.
Help to Buy closed to new applications in October 2022. In 2026, first-time buyers have a new set of tools: the Lifetime ISA, Shared Ownership, First Homes, and 95% mortgages without government equity loans. Here's how each one works and who they suit.
The UK personal allowance for 2025/26 is £12,570 — so you can earn up to £12,570 tax-free. But National Insurance starts earlier, at £12,570/year too. Full breakdown with salary examples.
Your 30s are the decade where pension decisions define retirement. We break down the real numbers: how much to contribute, what pot size to target, and how different contribution rates play out over time.
