Most lenders want 2-3 years of accounts or tax returns before offering a self-employed remortgage. How income averaging, retained profit and specialist lenders work in 2026/27.
If you want to borrow more against your home — for renovations, debt consolidation or a deposit for a second property — you can either remortgage the whole loan or ask your existing lender for a further advance. Here's how the two compare.
How the Renters' Rights Act affects Section 21 evictions, tenancy structures and rent increases for UK landlords and tenants in 2026, and what to check before renewing or ending a tenancy.
RNLI lifeboat crew are unpaid volunteers, while HM Coastguard Rescue Officers receive taxable callout fees on top of volunteering. Here's exactly how each is treated for tax, mileage claims, and what to declare on a Self Assessment return.
Self-employed roofers face higher equipment and insurance costs than many trades, plus frequent Construction Industry Scheme (CIS) obligations. Here's a full worked example on a typical £40,000-£55,000 turnover.
Royal Mail postal workers are PAYE employees with early starts, overtime opportunities and a defined pension scheme. Full worked example on take-home pay, overtime taxation and pension contributions for 2026/27.
The 2026 Ryder Cup takes place in New York in September. How to budget for flights, tickets and accommodation costs from the UK, and whether a savings plan beats a credit card.
A £35,000 salary sits close to the UK median in 2026/27, while £60,000 puts you in the top 20% of earners and £100,000 in the top 4%. Here is how salary percentiles work and where common salaries rank.
How UK salary percentile rankings work, why median pay is a better benchmark than average, and how take-home pay differs from gross percentile position in 2026/27.
How employer salary sacrifice electric car schemes reduce income tax and National Insurance in 2026/27, why the low Benefit-in-Kind rate is the key to the saving, and who it suits.
Salary sacrifice into your pension saves Income Tax and National Insurance immediately. An ISA gives you tax-free access at any age. Here's how to decide which should get your next spare pound in 2026/27.
Balancing childcare and elderly parent care at the same time creates overlapping claims — Tax-Free Childcare, Carer's Allowance, Attendance Allowance and grandparent NI credits. How they interact in 2026/27.
