The Financial Ombudsman Service is free to use and resolved the majority of complaints it received in the most recent published year. Here is exactly how the complaint process works, timescales, and what compensation you can realistically expect.
Owning a 'share of freehold' means you and your fellow leaseholders jointly own the building through a management company, rather than paying ground rent to an external landlord. Here's how the structure works, the costs involved, and what changes when you buy in.
Flood risk can affect whether you can get a mortgage at all, not just how much your buildings insurance costs. Here's how lenders assess flood risk, how the Flood Re scheme keeps insurance available for higher-risk homes, and what to check before buying.
Fractional property platforms let you buy a small share of a rental property for a few hundred pounds. Here is how rental income tax, capital gains and SDLT actually work when you own a fraction rather than a whole property.
Free school meals eligibility in England depends on a £7,400 net household earnings threshold for Universal Credit claimants in 2026/27 — worth around £500 a year per child, with wider eligibility from September 2026.
How self-employed photographers claim tax relief on cameras, lenses and studio kit in 2026/27 using the Annual Investment Allowance, plus VAT on wedding and commercial shoots.
How freelance translators and interpreters are taxed as sole traders in 2026/27 — allowable expenses, VAT on overseas clients, Class 4 NI and Self Assessment basics.
What UK freelance writers and journalists can claim against tax in 2026/27 — research trips, subscriptions, home office costs, and how to handle irregular publisher payments.
A company fuel card for private mileage often costs more in tax than claiming 45p a mile in your own car. Full comparison and worked examples for 2026/27.
How the Funeral Expenses Payment (Funeral Payment) works for people on means-tested benefits in 2026/27 — what costs it covers, what it doesn't, and why it can leave a shortfall recovered from the estate.
The old 10% wear and tear allowance was scrapped years ago. Landlords now claim Replacement of Domestic Items Relief instead — but only on genuine like-for-like replacements, not the original purchase. Here is exactly how it works.
How to check your National Insurance record for gaps and fill them with voluntary Class 3 contributions at £18.40 a week in 2026/27, with a worked example of the State Pension impact.
