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Buy Now, Pay Later Gets Regulated: What Changes for Klarna and Clearpay Users from 15 July
Buy Now, Pay Later (BNPL) has operated in a regulatory grey area for years. That changes on 15 July 2026, when the FCA's final rules for BNPL go live, bringing products like Klarna, Clearpay and...
Best Cash ISA Rates for July 2026 — and Why You Should Use Your £20,000 Allowance Before It Shrinks
Cash ISA rates are still comfortably above 4.5% this month, but there's a bigger reason to pay attention this year: from April 2027, the amount you can shelter in a cash ISA is set to shrink.
UK Mortgage Rates in July 2026: Best Deals, the BoE Decision, and What to Do Now
UK mortgage rates have continued to fall this summer, with lenders competing aggressively for new business despite the ongoing uncertainty caused by Middle East tensions and their impact on wholesale...
How to Pay Yourself Tax-Efficiently From a Limited Company in 2026
Running a limited company gives you significant control over how you extract money from the business — and how much tax you pay in the process. The classic strategy of combining a low director's...
Overpay Your Mortgage or Invest? The Maths at Today's 5.54% Rates
One of the most common questions in personal finance right now — and one that has a genuinely different answer than it did five years ago — is whether to overpay your mortgage or invest any spare...
Making Tax Digital for Sole Traders: What You Must Do If You Earn Over £50,000
Making Tax Digital for Income Tax Self-Assessment (MTD ITSA) is now live for the first wave of sole traders and landlords. Since April 2026, anyone with qualifying income over £50,000 for the 2024–25...
The ISA Shake-Up Coming in April 2027: What You Need to Do This Tax Year
The UK government has confirmed sweeping changes to Individual Savings Accounts (ISAs) taking effect from 6 April 2027 — and they will significantly affect how people save and invest. The key...
How to Check If HMRC Owes You a Tax Refund — and How to Claim It
Millions of UK workers are due tax refunds every year — many without knowing it. HMRC estimates it issues around £5 billion in income tax refunds annually, but a significant number go unclaimed,...
Energy Bills Rise 13% From Today: How to Cut Your Costs This Summer
From today, 1 July 2026, millions of UK households will see their energy bills increase as Ofgem lifts the energy price cap by 13%. The typical annual bill rises from £1,641 to £1,862 — an extra £18...