Construction Industry Scheme deductions are 20%, 30% or 0% depending on your registration and verification status with HMRC. Here's exactly how contractors determine which rate to apply to a subcontractor.
Most small UK limited companies are 'close companies' under HMRC's definition, which triggers specific tax rules on loans, benefits and distributions to shareholders. Here's what the label actually means.
Why unmarried cohabiting couples in the UK get no spousal Inheritance Tax exemption in 2026/27, how this affects the family home, and the planning steps that can reduce the risk.
There is no such thing as 'common law marriage' in England and Wales — living together for any number of years gives you none of the automatic financial protections married couples get. Here's exactly what that means for money, property and inheritance.
Tax and legal risks for unmarried couples who own property together: CGT on transfers, Stamp Duty on buy-outs, Inheritance Tax exposure and why a will and deed of trust matter.
How Community Infrastructure Levy is calculated for self-build projects, the self-build exemption, strict claim deadlines, and what happens if you miss them.
How Community Interest Companies are taxed in the UK: Corporation Tax rules, the asset lock, dividend cap, and how a CIC compares to a charity or standard limited company.
The difference between constructive dismissal and unfair dismissal in the UK — qualifying service, the tribunal test, tax treatment of any award, and how the two claims interact in 2026/27.
Council Tax bands are based on 1991 property values in England and Scotland — meaning some homes have been in the wrong band for over 30 years. Here's how to check your band, gather evidence, and formally challenge it.
Credit unions are member-owned financial co-operatives offering savings accounts and loans, often at better rates for people who struggle to access mainstream credit. Here's how they work, what protection you get, and when they're worth using.
Life insurance pays out on death; critical illness cover pays out while you're still alive but seriously unwell. They protect against different risks, and for most UK households with a mortgage and dependants, the honest answer is that both matter.
Platforms like Seedrs and Crowdcube often market equity crowdfunding deals alongside SEIS or EIS tax relief, but the relief isn't automatic and the failure rate for early-stage companies is genuinely high. Here's how the tax actually works, including relief for losses.
