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VAT Registration for Small Business: How the £90,000 Threshold Works in 2026/27
If you're a sole trader, freelancer or small business owner, one of the most important numbers to track isn't your profit — it's your rolling 12-month turnover. For the 2026 to 2027 tax year, the VAT...
How to Switch Savings Accounts and Lock In a Top Rate Before Rates Move
With Bank Rate held at 3.75% and the Bank of England's next decision due 30 July 2026, top savings rates are currently strong — but they won't stay this way indefinitely. Right now the best easy...
Sole Trader vs Limited Company in 2026/27: Which Structure Actually Saves You Tax Now
The maths on incorporating has shifted in 2026/27. Dividend tax rose on 6 April 2026, and according to Sleek's tax comparison, the break-even profit level where a limited company starts saving tax...
NS&I Kept £367m From Dead Customers — How to Check If You're Owed a Refund
National Savings & Investments (NS&I), the government-backed savings provider behind Premium Bonds, has admitted it wrongly held on to £367 million belonging to around 34,000 deceased customers —...
Making Tax Digital for Income Tax: What Sole Traders Earning £50k+ Must Do Now
Making Tax Digital (MTD) for Income Tax arrived on 6 April 2026 as, in the words of Simply Business, the biggest change to the UK tax system in decades. If you're a sole trader or landlord with gross...
Overpay Your Mortgage or Invest? The Maths for 2026's Rate Environment
With average mortgage rates sitting around 5.63%–5.68% on new fixed deals, according to Uswitch, and Bank Rate held at 3.75% by the Bank of England, the old "invest, don't overpay" logic from the...
Use Your Full £20,000 Cash ISA Allowance Now — It Drops to £12,000 in 2027
The 2026/27 tax year is the last chance for under-65s to use a full £20,000 Cash ISA allowance before the limit is cut to £12,000 from 6 April 2027, under the ISA reform anti-circumvention rules...
How to Check If HMRC Owes You a Tax Refund
Millions of people overpay tax each year without realising it — often through an incorrect PAYE tax code, a stopped job partway through the tax year, or unclaimed work expenses. With HMRC currently...
Bank of England Holds Rates at 3.75% — What It Means for Your Mortgage and Savings
The Bank of England's Monetary Policy Committee voted 7–2 to hold Bank Rate at 3.75% at its meeting ending 17 June 2026, with the two dissenters pushing for a rise to 4%. The next decision lands on...