What is Stamp Duty? Stamp Duty Lan Tax (SDLT) is applied to some residential property purchases in England and Northern Ireland. Ordinarily, there are different tax rates for different purchase prices ranging from 0% (up to £125,000) to 12% (in excess of £1,500,00). How is it changing? A decrease in stamp duty was introduced… Read more »

  Saving is a great habit to get into. Whether you save a few pounds or a couple of hundred each month, it all builds up and will no doubt come in handy in the future. Short term savings Saving for the short term can mean you have a small pot of money to fall… Read more »

  Many people ask us what the difference between a credit union and a bank is. We wanted to provide some clarity on this as we know it can be confusing due to both institutions providing similar services. The main difference between the two is that a credit union is a not-for-profit organisation, where surplus… Read more »

I recently went through the process of buying my first house and although I thought I was pretty clued up on the costs and what was going to happen, there were a few things I did not consider. This blog will be taking you through my experience and the costs I encountered whilst purchasing my… Read more »

Here’s a quick breakdown of the current rules and information in England relating to holidays and what you can expect in terms of pricing. What you need to know Below are some of the travel rules which will come into effect on Monday 19th July: Adults in England who were fully vaccinated in the UK… Read more »

  Leasing a car The number of ways to finance a new car is continually growing, with lease (also known as Personal Contract Hire (PCH)) agreements becoming increasingly popular. The process of leasing a car involves signing an agreement with a broker for the long-term hire of a new vehicle. When the agreement ends, you… Read more »

  Premium bonds: what are they and should I buy them? Premium bonds were introduced by National Savings and Investments (more often known as NS&I) to encourage people to save. They were established in 1956 and are now owned by approximately 23 million people in the UK! You don’t get paid interest, but instead there’s… Read more »

  Many of us try to put some hard-earned savings aside each month to save for the future. But it’s important to be aware of how they’re taxed. I’m going to try and help to make things clearer, so that you have a better understanding of how taxes are applied to your savings. Many people… Read more »

  In the UK most people have their tax automatically removed from their salary each month however this is not the case if you are, for example, self-employed. The amount of tax you pay will depend on how much you earn per year. This is because the government has different band rates for each earning… Read more »

  Lockdown has been a difficult time for many of us. Slowly but surely restrictions are being lifted and normal life will hopefully resume in the not-too-distant future! You may be thinking about making up for lost time, maybe you are planning to see family and friends or have a shopping spree. The pandemic changed… Read more »