With the capital gains annual exempt amount stuck at just £3,000 and rates of 18% and 24%, smart timing matters more than ever. Spreading disposals across tax years, using both spouses' allowances and harvesting losses can save hundreds or thousands. Here is a practical CGT plan for 2026/27.
The average UK worker has several jobs and several old pension pots scattered across providers. Bringing them together can cut fees and simplify retirement planning, but there are valuable benefits you can lose by transferring. Here is how to decide in 2026.
With the Ofgem price cap around £1,641 a year for a typical dual-fuel home in Q2 2026, winter is when bills bite hardest. Here is how to budget, smooth your payments and cut consumption before the cold months arrive.
Comparing an electric car with a petrol one on fuel alone misses most of the picture. Purchase price, depreciation, road tax, insurance, servicing and charging all matter. Here is a full total cost of ownership comparison for UK drivers in 2026.
The benefit-in-kind tax on an electric company car is just 4% in 2026/27, against much higher CO2-based rates for petrol cars. Combined with salary sacrifice, this makes an EV company car one of the most tax-efficient perks available. Here is how the saving works.
Getting money out of your limited company tax-efficiently is not just about the salary-versus-dividends split. Pension contributions, the timing of dividends and the Employment Allowance all change the picture. Here is the full profit-extraction toolkit for directors in 2026/27.
A fixed energy tariff locks your unit rates for a set term; a variable tariff tracks the Ofgem price cap and moves every quarter. With the Q2 2026 cap at roughly £1,641 a year for a typical home, here is how to decide which is right for you.
Just gone self-employed in the UK? The first 90 days set up everything that follows: registering with HMRC, getting a UTR, opening the right bank account, tracking expenses and understanding Class 4 NI at 6%. Here is the practical checklist for 2026/27.
The £20,000 ISA allowance resets every 6 April and cannot be carried forward - use it or lose it. With a £4,000 Lifetime ISA boost, the dividend and CGT allowances shrinking, and Cash versus Stocks and Shares to weigh, here is a clear plan for deploying your allowance in 2026/27.
Since the lifetime allowance was abolished, a new limit governs how much tax-free cash you can take from your pensions. The Lump Sum Allowance is £268,275 in 2026/27. Here is what it covers, who it affects, and how it interacts with the standard 25% tax-free cash.
A bigger deposit unlocks a lower loan-to-value band and usually a cheaper mortgage rate. But saving longer for that extra 5 percent has a cost too. Here is how the trade-off looks for first-time buyers in 2026.
From April 2026, self-employed people and landlords with income over 50,000 pounds must send HMRC quarterly updates under Making Tax Digital for Income Tax. Here is what a quarterly update is, what the deadlines are, and how the new rhythm differs from one annual return.
