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Free and impartial money advice, set up by government ...

The Money Advice Service helps you manage your money better. Use our Health Check tool, calculators and comparison tables to make the most of your finances.

https://www.moneyadviceservice.org.uk/en


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Compare guaranteed income products (annuities) - Money ...

Provides a regular income for life in return for a lump sum – with the guarantee that the money won't run out before you die. Your pension provider may have provided a link to us. That's because the regulator for financial services – The Financial Conduct Authority – now requires all pension ...

https://www.moneyadviceservice.org.uk/en/tools/annuities


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Government schemes for first-time home buyers and existing ...

Several government schemes can help you buy a home. These include Help to Buy, Right to Buy and Shared Ownership. Read this article to find out more about them and how to apply. Use our Stamp Duty Calculator to work out how much you’ll pay when buying your property in England, Wales or Northern ...

https://www.moneyadviceservice.org.uk/en/articles/help-to-buy-homebuy-and-other-housing-schemes


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A guide to Inheritance Tax - Money Advice Service

Inheritance Tax (IHT) is a tax on the estate of someone who has died, including all property, possessions and money. Our advisers will point you in the right direction. Start a webchat online or call us on 0800 138 1677. There is normally no tax to be paid if: The value of your estate is below the ...

https://www.moneyadviceservice.org.uk/en/articles/a-guide-to-inheritance-tax


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Money Purchase Annual Allowance (MPAA) - Money Advice Service

You can get tax relief on pension contributions up to £40,000 a year or 100% of your taxable salary. But if you start taking money from a defined contribution pension scheme, the amount you can pay into a pension and still get tax relief reduces. Read on to find out more. Currently you can pay up ...

https://www.moneyadviceservice.org.uk/en/articles/money-purchase-annual-allowance


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Gifts and exemptions from Inheritance Tax - Money Advice ...

Making a gift to your family and friends while you’re alive can be a good way to reduce the value of your estate for Inheritance Tax purposes and benefit your loved ones immediately. But estate and tax planning is a complex area. So getting professional advice can help you avoid several big ...

https://www.moneyadviceservice.org.uk/en/articles/gifts-and-exemptions-from-inheritance-tax


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Shared ownership housing schemes explained - Money Advice ...

With shared ownership, you buy between a quarter and three-quarters of a property. You have the option to buy a bigger share in the property at a later date. These schemes are aimed at people who don’t earn enough to buy a home outright. Most of the homes available are newly built, but some are ...

https://www.moneyadviceservice.org.uk/en/articles/shared-ownership-housing-schemes-explained


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What benefits can I claim if I am divorcing or separating ...

If you’re divorcing or separating from your partner and your income has dropped, there are some benefits you can claim as a single person. There are also benefits you can claim if you’re now a lone parent and your children live with you all or most of the time. This page tells you more about ...

https://www.moneyadviceservice.org.uk/en/articles/benefits-you-may-be-entitled-to-if-you-are-separating


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Help for mortgage prisoners - Money Advice Service

Find out if these changes help you by using our eligibility tool. If you took out a mortgage to buy your home before 2014 and are now finding it hard to switch to a better deal, even if you’re up to date with your payments, this might be because of new affordability rules introduced by the FCA ...

https://www.moneyadviceservice.org.uk/en/articles/help-for-mortgage-prisoners


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Am I entitled to a free eye test and NHS optical vouchers?

If you’ve not had an eye test for a few years, you might be surprised how much your eye sight has changed. Here’s how to find out if you’re entitled to a free eye test or NHS optical vouchers.

https://www.moneyadviceservice.org.uk/blog/am-i-entitled-free-eye-test-nhs-optical-vouchers


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Stamp Duty - Everything you need to know - Money Advice ...

Stamp Duty is a tax you might have to pay if you buy a residential property or a piece of land in England and Northern Ireland. If you’re buying your main property up until 31 March 2021, you will not have to pay Stamp Duty on properties costing up to £500,000.

https://www.moneyadviceservice.org.uk/en/articles/everything-you-need-to-know-about-stamp-duty


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Self-employed: financial help if you’re sick or self ...

New style Employment and Support Allowance is an income support payment paid every two weeks. You can make a claim if you have a full National Insurance record for the tax years 2017/18 and 2018/19.

https://www.moneyadviceservice.org.uk/en/articles/self-employed-financial-help-if-youre-sick-or-self-isolating


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What is the bedroom tax? - Money Advice Service

You’ll be affected by the penalty if: you’re classed as having a spare bedroom you’re aged between 16 and minimum State Pension Credit age you get Housing Benefit (or the housing element of Universal Credit) you rent your property from a local authority, housing association or registered ...

https://www.moneyadviceservice.org.uk/en/articles/cuts-to-housing-benefit-for-social-housing-tenants


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What benefits can I claim when I'm pregnant or have a baby ...

There are lots of benefits and entitlements available when you’re pregnant or have a baby, including maternity benefits, the Sure Start Maternity Grant, as well as benefits you can claim if you’re pregnant and unemployed or on a low income.

https://www.moneyadviceservice.org.uk/en/articles/benefits-and-entitlements-to-claim-when-you-have-a-baby


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Dealing with the debts of someone who has died - Money ...

When someone dies and leaves debts, what happens to these debts depends on a number of things. These include what kind of debt it was, if it was secured against anything, if there was a guarantor or insurance and if there are enough assets left in the estate. Unless the surviving relatives are co ...

https://www.moneyadviceservice.org.uk/en/articles/dealing-with-the-debts-of-someone-who-has-died


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Lifetime allowance for pension savings - Money Advice Service

The lifetime allowance is a limit on the value of payouts from your pension schemes – whether lump sums or retirement income – that can be made without triggering an extra tax charge.

https://www.moneyadviceservice.org.uk/en/articles/the-lifetime-allowance-for-pension-savings


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The cost of buying a house and moving - Money Advice Service

This is the amount you put towards the cost of the property when you buy your home. On average, you need at least 5% to 20% of the purchase price (for example: £10,000 to £ 40,000 when buying a £200,000 home).

https://www.moneyadviceservice.org.uk/en/articles/estimate-your-overall-buying-and-moving-costs


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Tax relief and your workplace pension scheme - Money ...

Method 1: Relief at source arrangement Here’s how a relief at source arrangement works: Your employer deducts tax from your taxable earnings as normal. Then they deduct 80% of your pension contribution from your net (after-tax) pay and send this to your pension provider.

https://www.moneyadviceservice.org.uk/en/articles/tax-relief-and-your-workplace-pension


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How do savings and lump sum pay-outs affect benefits ...

Universal Credit. If you or your partner have £6,000 or less in savings this will not affect your claim for these benefits. If you and/or your partner have £16,000 or more in savings, you will not be entitled to Universal Credit.

https://www.moneyadviceservice.org.uk/en/articles/how-do-savings-and-lump-sum-pay-outs-affect-benefits


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Average childcare costs - Money Advice Service

Parents now pay an average of over £6,800 per year, for just a part-time nursery place, so it takes up a large chunk of the family budget. In areas like London, costs can be much higher. If you’re planning to return to work, it’s essential to budget carefully for your childcare costs and claim ...

https://www.moneyadviceservice.org.uk/en/articles/childcare-costs


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Taking your whole pension pot as cash - Money Advice Service

Under rules introduced in April 2015, once you reach the age of 55, you can now take the whole of your pension pot as cash in one go if you wish. However if you do this, you could end up with a large tax bill and run out of money in retirement. Get advice before you commit. Cashing in your pension ...

https://www.moneyadviceservice.org.uk/en/articles/taking-your-whole-pension-pot-as-cash


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Child Benefit for people earning £50,000+ - Money Advice ...

You and your partner each earn less than £50,000 per year If you and your partner each earn less than £50,000 a year, you will receive the full amount of Child Benefit without having to pay any of it back. Either you or your partner earns between £50,000 and £60,000 per year If either you or ...

https://www.moneyadviceservice.org.uk/en/articles/changes-to-child-benefit-from-2013


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DIY wills – what you need to know - Money Advice Service

Writing your own will could save you money. Read our guide to make sure you know exactly what you're doing and avoid common mistakes.

https://www.moneyadviceservice.org.uk/en/articles/diy-wills-what-you-need-to-know


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Making a will and planning what to leave - Money Advice ...

Before you can write a will you need to decide who gets what. You should set down the basics of your plan for your money and possessions – your estate – early on, before you visit a solicitor or discuss your will with your family. Don’t worry, it’s easier than it sounds – just follow this ...

https://www.moneyadviceservice.org.uk/en/articles/planning-what-to-leave-in-your-will


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What is equity release? - Money Advice Service

Lifetime mortgage: you take out a mortgage secured on your property provided it is your main residence, while retaining ownership. You can choose to ring-fence some of the value of your property as an inheritance for your family. You can choose to make repayments or let the interest roll-up. The ...

https://www.moneyadviceservice.org.uk/en/articles/equity-release


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Investing – beginner’s guide - Money Advice Service

If your savings goal is a few years away, putting some of your cash into investments could let you to earn more from your money, so here’s our guide to investing for beginners covering risks and returns

https://www.moneyadviceservice.org.uk/en/articles/investing-beginners-guide


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How to spot and report fake text message and smishing scams

How to report scam text messages and smishing scams. If you have received what you believe to be a fake text message or smishing scam, then you should report it to the company who allegedly sent you the message.

https://www.moneyadviceservice.org.uk/blog/how-to-spot-and-report-fake-text-message-and-smishing-scams


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What to do when someone dies and leaves a will - Money ...

What is probate? Probate is a legal document that allows the executor of the will to sort out a person’s estate as instructed in their will. If there is a will, in England, Wales and Northern Ireland, you will apply for ‘Grant of probate’.

https://www.moneyadviceservice.org.uk/en/articles/sorting-out-the-estate-when-there-is-a-will


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What disability and sickness benefits can I claim? - Money ...

If you can’t work, or work reduced hours, because of sickness or disability, financial support is available. You might be able to claim Statutory Sick Pay (SSP), paid by your employer. If this has run out, or you can’t claim it, find out about Employment and Support Allowance (ESA), Personal ...

https://www.moneyadviceservice.org.uk/en/articles/disability-and-sickness-benefits-check-your-entitlements


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If you’re struggling with car finance payments because of ...

Struggling to contact or reach an agreement with your car finance firm. If you’ve had trouble getting in touch with your lender because of operational difficulties they’ve been experiencing, and so haven’t reached an agreement yet and you’ve then missed a payment which is reported on your credit file, speak to your firm to ask if the missed payment can be removed because you’ve been ...

https://www.moneyadviceservice.org.uk/en/articles/coronavirus-covid-19-car-payment-holidays


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Savings Calculator - Work out your monthly savings and ...

Savings calculator. Are you saving for a future bill? A new TV or car? Or just to have a bit in the bank? The calculator can help you understand how long it will take to save a specific amount, or how much you need to save to have enough by a particular date.

https://www.moneyadviceservice.org.uk/en/tools/savings-calculator


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Mortgage Affordability Calculator - Money Advice Service

This tool will help you estimate how much you can afford to borrow to buy a home. We’ll work it out by looking at your income and your outgoings. Mortgage lenders will look at these figures very closely to work out how much they’ll offer you. It should take about five minutes to complete ...

https://www.moneyadviceservice.org.uk/en/tools/house-buying/mortgage-affordability-calculator


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Budget Planner – Free online daily, monthly and yearly ...

Our free Budget Planner puts you in control of your household spending and analyses your results to help you take control of your money. It’s already helped hundreds of thousands of people. Before you get started, grab as much information (bank statements, bills…) as you can. The more up to date ...

https://www.moneyadviceservice.org.uk/en/tools/budget-planner


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How much are NHS dental charges?

In Wales the costs are less – Band 1 is £14.30, Band 2 £46 and Band 3 £199.10. Getting your money’s worth with banding. It’s also worth knowing that if you have multiple bits of work done in one visit or one course of treatment, for example, three fillings, you’ll only pay the Band 2 fee once. Also, you’ll only pay for the top band the work is being completed under.

https://www.moneyadviceservice.org.uk/blog/how-much-are-nhs-dental-charges


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Child Benefit and the State Pension - Money Advice Service

Did you know that claiming Child Benefit could mean you get more State Pension? Retirement might be the last thing on your mind when you’re looking after a new baby, but what you do now could have a big impact on your future finances.

https://www.moneyadviceservice.org.uk/en/articles/protecting-your-state-pension-when-you-have-a-baby


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What to do if your insurance claim is rejected - Money ...

There are a several reasons as to why a claim could be rejected: Incorrect information – if you gave wrong information at any stage (for example, about how something got damaged), it could affect your claim

https://www.moneyadviceservice.org.uk/en/articles/what-to-do-if-your-insurance-claim-is-rejected


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Mortgages – a beginner’s guide - Money Advice Service

A mortgage is a loan taken out to buy property or land. Most run for 25 years but the term can be shorter or longer. The loan is ‘secured’ against the value of your home until it’s paid off. If you can’t keep up your repayments the lender can repossess (take back) your home and sell it so ...

https://www.moneyadviceservice.org.uk/en/articles/mortgages-a-beginners-guide


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Homebuyer surveys and costs - Money Advice Service

Homebuyer surveys are a good way to avoid unexpected repair costs further down the line. Getting a survey for a house or flat will give you an idea of just how much you might need to invest in a property after you buy it.

https://www.moneyadviceservice.org.uk/en/articles/a-guide-to-homebuyer-surveys-and-costs


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How much does a funeral cost? - Money Advice Service

You may be arranging a funeral while coping with grief and feeling you must act quickly, and with little or no recent experience. Some people have strong ideas about what a funeral should be like and what a good send-off should be. The coronavirus outbreak has imposed serious restrictions on ...

https://www.moneyadviceservice.org.uk/en/articles/how-much-does-a-funeral-cost


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Free School Meals - Eligibility and how to apply

If you have kids, you’ll know that parenting is a pricey business. Sadly, waving goodbye to the children at the school gate doesn’t mean bidding a fond farewell to the expense!

https://www.moneyadviceservice.org.uk/blog/free-school-meals-eligibility-and-how-to-apply