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Buy Now, Pay Later Is Finally Regulated: What Changes From 15 July
From 15 July 2026, Buy Now Pay Later stops being the wild west of consumer credit. The FCA has confirmed final rules bringing the sector under full regulatory oversight for the first time, rebranding...
VAT Registration in 2026: When Sole Traders and Small Businesses Must Sign Up
If you're a sole trader or small business owner, keeping an eye on your turnover isn't just good practice — it's a legal requirement. The VAT registration threshold stays at £90,000 for 2026/27, with...
Fixed Mortgage Deal Ending Soon? Here's How to Remortgage Without Overpaying
If your fixed-rate mortgage deal ends in the next few months, doing nothing is the most expensive option. Once a fix expires, most lenders move you onto their standard variable rate (SVR) — currently...
Making Tax Digital for Income Tax: Your Sole Trader Prep Checklist Before April 2026
Making Tax Digital for Income Tax Self Assessment (MTD ITSA) became mandatory from 6 April 2026 for sole traders and landlords with combined gross income over £50,000, based on figures from 2024/25...
FCA Bans Investment Platforms From 'Double-Dipping' on Your Cash Balance
The Financial Conduct Authority has moved to stop investment platforms charging customers fees on their uninvested cash while also keeping the interest earned on it — a practice regulators are...
Best Cash ISA Rates Right Now — and Why Your 2026/27 Allowance Matters More Than Usual
If you haven't used this year's ISA allowance yet, there's an added reason to act before April 2027: the tax-free cash ISA allowance for under-65s is being cut from £20,000 to £12,000 from 6 April...
Claiming Business Mileage: A Practical Guide for Sole Traders and Limited Company Directors
Business mileage is one of the most under-claimed expenses among the self-employed — often because people either forget to track journeys or don't realise how the rules differ between sole traders...
Bank of England Holds Rates at 3.75% — What to Expect Before the 30 July Decision
The Bank of England's Monetary Policy Committee voted 7–2 at its June meeting to hold Bank Rate at 3.75%, with the two dissenters pushing for a rise to 4%. The next decision lands on 30 July 2026,...
Buy Now, Pay Later Comes Under FCA Regulation: What Changes for Shoppers on 15 July
From 15 July 2026, Buy Now, Pay Later (BNPL) — sometimes called Deferred Payment Credit (DPC) — moves under full FCA regulation for the first time. If you've ever used Klarna, Clearpay or similar at...