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first time buyers
February 10, 2025

Why mortgage rates are going up when the Bank of England is cutting rates


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Not every interest rate moves in the same direction. Source: Bank of England, Investing.com If you are approaching the end of your five-year fixed rate mortgage and currently enjoying an

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February 3, 2025

The consequences of higher employer’s national insurance contributions


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The impact of the Budget’s increases in national insurance contributions (NICs) are not limited to employers. There were three main changes to employer’s NICs announced in the Budget, all of

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January 30, 2025

Changes to Group Audits and Utilising Component Auditors under ISA (UK) 600


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Background The need for the audit profession in general to improve the quality of group audits is regularly highlighted by external regulatory inspections, and group audits present real challenges, many

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January 27, 2025

Have you seen my pension? The lost £31.1 billion…


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There are now over three million ‘lost’ pensions worth over £31 billion. We all lose things, be it the proverbial change down the back of the sofa or TV remote.

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January 13, 2025

Student fees to rise in England in 2025


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The long freeze on student tuition fees in England has come to an end. Do you know what the RPIX is? You might guess it’s related to inflation given that

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January 6, 2025

The NICs top-up countdown is underway again…


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A third deadline for topping up State Pension entitlement is now coming into view. “Don’t it always seem to go That you don’t know what you got ’til it’s gone?”

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December 16, 2024

Retirement saving targets – still too low


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The Institute for Fiscal Studies (IFS) has been crunching the numbers on the adequacy of pension contributions. One of the unremarked government successes of the 2010s was the introduction of

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December 10, 2024

Where are your ISAs?


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New statistics show that cash ISAs remain a popular investment. Every autumn HMRC publishes a set of annual savings statistics, setting out detailed information about individual savings accounts (ISAs), lifetime

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December 9, 2024

HMRC still trying to give away money in unclaimed CTFs


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HMRC is uncharacteristically keen to give money away, reminding young adults again that they may be due unclaimed child trust funds (CTFs). The amount still to be paid out comes

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November 11, 2024

The 2025 State Pension increase


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We now have a clear understanding of how much the main State Pension will increase next April.

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November 4, 2024

The cryptic arm of the taxman


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Investors in cryptocurrencies like bitcoin should not forget the tax consequences of their digital wallets, says HMRC.

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October 30, 2024

Autumn Budget 2024


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The Chancellor said the Budget would highlight £40bn in tax rise, but did she stick to Labour’s manifesto pledges or pull some unexpected rabbits out of the hat?

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