How FSCS protection works for joint savings accounts, why the effective limit doubles to £170,000, and how to structure larger balances safely across 2026/27.
How locum veterinary surgeons and vet nurses are taxed in 2026/27 — self-employed vs agency PAYE, IR35 considerations, and allowable expenses like RCVS fees and indemnity insurance.
The Lump Sum Allowance caps tax-free pension cash at £268,275 in 2026/27, replacing the old Lifetime Allowance mechanism. How it works, and the separate £1,073,100 Lump Sum and Death Benefit Allowance.
When market traders and regular car boot / trading sellers need to register as self-employed in 2026/27, the £1,000 trading allowance, and what HMRC expects to be declared.
UK marketing manager take-home pay 2026/27: marketing executive £28,000 to marketing director £115,000. Tax, NI, bonus and the 60% tax trap explained.
Tax rules for chair-rent hairdressers and mobile hairdressers/beauticians in 2026/27 — what counts as self-employment, allowable expenses, and Class 4 NI.
Once you flexibly access taxable pension income, the Money Purchase Annual Allowance cuts your future tax-relieved pension contributions from £60,000 to £10,000 a year in 2026/27. What triggers it and what doesn't.
A £100,000 salary typically supports a mortgage of around £450,000 at a 4.5x income multiple in 2026. Take-home pay, the 60% tax trap and a worked example.
A £30,000 salary typically borrows around £135,000 at standard 4.5x income multiples in 2026. Full affordability breakdown, take-home pay and a worked first-time buyer example.
A £35,000 salary typically supports a mortgage of around £157,500 at a 4.5x income multiple in 2026. Take-home pay, deposit sizes and a worked buying example.
A £70,000 salary typically supports a mortgage of around £315,000 at a 4.5x income multiple in 2026. Higher-rate tax, take-home pay and a worked example.
Two incomes totalling £90,000 (e.g. £50,000 and £40,000) typically borrow around £405,000 in 2026. How joint applications work, combined take-home pay and a worked example.
