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Buy Now Pay Later Comes Under FCA Regulation From 15 July — What Changes for Shoppers
From 15 July 2026, Buy Now Pay Later (BNPL) — technically known as Deferred Payment Credit (DPC) — moves inside the FCA's regulatory perimeter for the first time. Until now, the sector operated...
Self-Assessment Payment on Account Due 31 July: How to Pay and Avoid a Penalty
If you're self-employed or file a Self Assessment return, 31 July 2026 is a date worth putting in the diary. It's the deadline for your second Self Assessment payment on account of the tax year — and...
UK Household Savings Ratio Falls: What the Numbers Actually Mean for Your Budget
Two figures buried in the latest economic data are worth more attention than they usually get: real household disposable income fell, and so did the savings ratio, in the same quarter. Together they...
Overpay Your Mortgage or Invest in Your ISA? The Maths for 2026's High-Rate World
With mortgage rates and cash ISA rates both sitting well above where they were a few years ago, the old rule of thumb — "investing usually beats overpaying your mortgage" — deserves a second look.
Making Tax Digital for Income Tax: Are You Affected From April 2026? A Checklist for Sole Traders and Landlords
Making Tax Digital for Income Tax Self Assessment (MTD ITSA) has been delayed and adjusted more than once, but the first mandatory phase is now live from 6 April 2026. If you're self-employed or a...
Car Finance Redress Delayed Again: What Mis-Sold Motor Finance Customers Should Do Now
If you were hoping for a car finance compensation cheque this year, you'll need to keep waiting. On 2 July 2026, the Upper Tribunal suspended parts of the FCA's motor finance redress scheme after...
Your Fixed Mortgage Deal Is Ending: How to Avoid Being Moved to a 6.49% Standard Variable Rate
If your fixed mortgage deal is ending in the next six months, the gap between doing nothing and acting now is bigger than you might think. Lenders' average standard variable rate (SVR) currently sits...
HMRC Mileage Rate Rises to 55p a Mile — How Sole Traders and Employees Claim It Correctly
For the first time since 2011, HMRC's approved mileage rate has gone up — a change worth knowing about whether you're a sole trader, a limited company director, or an employee who uses your own car...
Bank Rate Held at 3.75%, FTSE 100 Near Record Highs: What It Means for Your Money
Two things are worth watching in UK markets this week: interest rates are staying put for now, and the FTSE 100 has just had one of its strongest weeks of the year.