0% Balance Transfer 2026: Best Offers in the UK — Moving expensive credit card debt to a 0% balance transfer card can save thousands. The market has cooled since 2022’s peak, but 30+ month deals still exist in 2026 if you know where to look. How Balance Transfers Work You transfer an outstanding balance from …
Fellipe Correia
Fellipe Correia is the founding editor of Hutzis Money. He researches and writes about UK personal finance — ISAs, pensions, mortgages and HMRC tax — drawing on gov.uk, HMRC and FCA public sources. Editorial focus: practical, jargon-free guidance for UK savers and homeowners.
Section 75 Protection: Use It Before You Need It — Section 75 of the UK Consumer Credit Act is one of the strongest legal protections British shoppers have — and most people don’t know it exists or how to use it. What Section 75 Does If you pay for goods or services worth £100 to …
VAT Registration Threshold: When You Must Register — If your business turnover exceeds £90,000 in any rolling 12-month period (2026 threshold), you must register for VAT. Many small businesses fall foul of this by accident. Here’s the practical guide. The Registration Threshold 2026 Compulsory registration: Your taxable turnover exceeds £90,000 in the past 12 months …
Capital Gains Tax UK 2026: New Rules and Annual Allowance — CGT changes have made disposals significantly more expensive in 2026. Knowing the rules can save you £1,000s — and sometimes the difference between selling now vs holding. The 2026 CGT Rate Structure For most assets disposed of in 2026/27: Within basic-rate band: 18% (raised …
Marriage Allowance: Claim £1,260 Back (Backdated 4 Years) — The Marriage Allowance lets a non-working or low-earning spouse transfer £1,260 of their Personal Allowance to their higher-earning partner. The recipient saves up to £252 per year on tax. Most eligible couples don’t claim it. How It Works Standard scenario: One spouse earns under £12,570 (Personal …
Pension Carry Forward: Use 3 Years of Allowance — Most years, you can contribute up to £60,000 to your pension (the Annual Allowance). But you can also use unused allowance from the previous 3 years in certain circumstances — sometimes adding £180,000 of contribution headroom. What Carry Forward Is The pension Annual Allowance (£60,000 in …
Pension Drawdown vs Annuity: The Lifetime Income Decision — At retirement, you face one of the biggest financial decisions: how to convert your pension pot into income. Drawdown gives flexibility. Annuity gives certainty. Each has wins and losses. What an Annuity Is You give your pension pot to an insurance company in exchange for guaranteed …
State Pension 2026: How Much You’ll Actually Get — The UK State Pension is the foundation of most retirement plans, yet many people don’t know how much they’ll receive or whether they qualify for the full amount. Full New State Pension 2026 For those reaching State Pension age in 2026 with full National Insurance record: …
Buy-to-Let Mortgages: Tax Rules After Section 24 — The Section 24 reforms (phased in 2017–2020) changed UK buy-to-let economics dramatically. Many landlords now pay more tax than they realized. Here’s the 2026 reality. What Section 24 Changed Pre-2017: Mortgage interest was a deductible business expense. Landlords paid tax only on net rental profit. Post-2020 (current): …
Help to Buy Equity Loan: How It Works When You Repay — If you bought through Help to Buy (the equity loan scheme, closed to new applicants since 2023) — you now face the repayment cliff. Here’s how to navigate it. How Help to Buy Equity Loan Worked You bought a new-build with: 5% your …