5-Year Fix vs 2-Year Fix: 2026 Decision Framework — The biggest decision when locking a UK mortgage rate isn’t the rate itself — it’s the length. 2-year vs 5-year tradeoffs are constantly debated. Here’s the actual framework. The Numbers in 2026 Typical 80% LVR pricing: 2-year fix: 4.5–5.0% 3-year fix: 4.6–5.1% 5-year fix: 4.4–4.9% In …
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.
Innovative Finance ISA: P2P Lending Risks for UK Savers — The Innovative Finance ISA (IFISA) lets you wrap peer-to-peer lending in your ISA allowance, earning interest tax-free. Promised yields of 6–10% sound great. The risks are real and often understated. How IFISAs Work You lend money via a P2P platform to: Small businesses (debt-based) Individuals …
Junior ISA 2026: How to Save £9,000 a Year for Your Kid — A Junior ISA (JISA) lets parents save tax-free for their children until age 18. The £9,000 annual allowance means £162,000 of contributions possible before adulthood — and with compounding, far more. The Basics Annual allowance: £9,000 per child per tax year Eligibility: …
Lifetime ISA Explained: When the 25% Bonus Wins — The Lifetime ISA (LISA) gives a 25% government bonus on your contributions — up to £1,000 per year. Sounds too good to refuse. The catch: strict rules on what you can use it for. How It Works Contribute up to £4,000 per tax year (counts toward …
How to Slash Your Council Tax Bill (Legally) in 2026 — Council tax is one of those bills most UK households just pay without question. But thousands of properties are in the wrong band — and several legitimate discounts go unclaimed every year. Here’s how to check whether yours is one of them. Step 1: …
Best UK Credit Cards for Cashback in 2026 — UK cashback cards have improved substantially over the last few years. In 2026, even no-fee cards can return £100–250+ per year for households using them properly. Here’s the practical shortlist. Top Pick for No-Fee Cashback Chase UK Debit (not strictly a credit card, but worth mentioning): …
HMRC Self-Assessment 2026: Deadlines, Mistakes & Reliefs Most People Miss — If HMRC sends you a Self-Assessment notice — or you have self-employment, rental income, or untaxed income over £1,000 — getting this right can save you hundreds or even thousands in tax each year. Here’s the 2026 essentials. Key Deadlines 5 October: Register for …
Workplace Pension vs SIPP: Where to Put Your Money in 2026 — Most working UK adults have a workplace pension. Many also have or are considering a SIPP. Should you contribute to both? Here’s how to decide where each pound of pension contribution should go. Workplace Pension: The Free Money You Probably Aren’t Maxing Your …
UK Mortgage Rates in 2026: Fixed vs Tracker — A Practical Guide — After years of base rate volatility, picking between a fixed and tracker mortgage has become one of the most expensive decisions UK borrowers make. Here’s the no-fluff guide to choosing in 2026. What a Fixed Rate Actually Is A fixed-rate mortgage locks …
Cash ISA vs Stocks & Shares ISA in 2026: Which One Wins? — The £20,000 annual ISA allowance is one of the best tax shelters available to UK savers. But should you put it in a Cash ISA, a Stocks & Shares ISA, or split it? Here’s the practical 2026 answer. The Quick Difference A …